My name is James Ive been listening to BiggerPockets for a few years. bought my first house in North Port fl 3 years ago!

Hey Nicholas, thank you so much for the advice, I will give a check on that option. 

My preferred options are:1. house-hack with a duplex under ARV; live in one unit => renovate => rent the other unit2. buy a SFH under ARV that could be converted into a duplex (preferably adjacent units vs top/bottom) - I'm assuming the biggest challenge with this strategy would be separating the infrastructure for utilities; and costly.

As Guadalupe said above, a DSCR is a great option for buying with a lower DP but it comes with the caveat of higher interest rates; and as Nate said, National Bank of Coxsackie in Glenmont is a great local bank which wont sell your note to larger banks.

Quote from @Jaheen Ahsan: Hello,So I bought my first house hack back in July, and I've been trying to find roommates for about 6 months or so and haven't quite had any luck.

I bought a condo in Norman Oklahoma 3 years ago and due to the rental market, I have struggled to get another.

We currently still have the AK condo rented out and have bought a house in Phoenix that we are currently are fixing up. 

In a way, I “bought” a whole years worth of time using OPM.

I bought 2 new construction in Athens last summer and rented them right away... so far so good. 

However, SEP IRA contributions require earned income from active participation in a business or trade.Our goal with posts like these are to increase awareness of all the options that may be available to them, like this one.