9) No tenant after 4 weeks: During Nov-Jan this is normal!

1.To extract equity in your property by re-mortgaging if you brought the property with a mortgage is normally not possible, it might be if you have extensive building improvements. 2.Getting a mortgage on a property you own 100% of is usually possible.

House hacking a 4 plex is a good plan, and you may even consider getting normal financing with 20% down - just have a little more patience to save more to have adequate reserves.

Everything else is just normal cosmetic, interior finishing. 

Build up for your next investment.I'm not actually spending any of the investment money on myself for a car or vacation.

Unfortunately  alot of the renters treat it like a rental car and leave it with significant depreciation.  

If they are legit and you don’t have any other offers then I’d have the conversation with them but I’d want a higher than normal down payment (ideally 50% or at least more than the normal 20%), a higher than normal interest rate (at least a point above the prevailing rate so like 9-10% right now, but you can structure it as interest-only payments so their monthly payment is still lower than conventional), amortized over 30 but with a balloon in 3-5 years, something like that.

Waving normal setbacks.  

1) As an agent put 3 more under contract this month for going into 20252) Cut internet and car insurance bill down3) Start prepping for tax time, organize expenses yay lol

The UP is a pretty far away place though for most people so we don't have representation for a lot of things you'd normally find in most places.