There are plenty of ways around an HOA but they tend to break the rules that you committed to following.

Just had my current LT tenant commit to another year so we will reevaluate again towards the end of 2025.Greg

Then determine if you have and are willing to risk the necessary capital, time, and commitment.3.

Hi @Tim Holt I think in general house hacking is usually a good move because it gets you off the sidelines and into the game with the most favorable financing possible (30 year fixed).There's a lot of value in getting started today vs waiting some undefined number of years until conditions are better, which could be a long time from now, because real estate is a business and the sooner you start actually learning about that business, the better.With all that said, I always recommend that people analyze any potential house hack as a pure investment that they aren't going to live in, because someday they may want to move out and you should know up front (before you commit) whether you're going to be able to do that, or whether you're overpaying and will be stuck in the property unable to move out because it'll be cash flow negative if you do.So you had it exactly right when you wrote, "the property would need to cash flow when I move out and rent out all units."

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I would not make this a legal matter, but you will have to decide if you want to commit to living with this landlord.

But, you need to understand the intensity, time commitment, capital needed, and skill set required.  

If there are any crimes being committed, the person committing them should be me (that's a joke).

However, its not significantly better than just making extra principal payments.With both strategies illustrated above you are committing to making an extra 1K payment per month.