I considered starting out house hacking a MF, but it will only increase my monthly expenses, not lower them or provide cash flow. 

Quote from @Lawrence Mitchell: Yes I am@Lawrence Mitchell What type of property are you looking to house hack in, SF or 2-4 MF?

With your focus in using house hacking, Conventional or FHA loans would be your best options.

If you wanted to house hack I would stay where you are at and find one there.

The Yale Law Journal article, "Zoned Out: How Zoning Law Undermines Family Law’s Functional Turn," highlights this issue, noting that while family law has evolved to recognize diverse family structures, zoning laws have lagged behind, potentially hindering innovative housing solutions like co-living.Challenges for Co-Living InvestorsFor real estate investors interested in co-living, these restrictive definitions can lead to:Legal Barriers: Difficulty obtaining permits or approvals for co-living spaces due to non-compliance with traditional family definitions in zoning codes.Operational Challenges: Potential fines or legal disputes arising from housing arrangements that don't conform to local zoning definitions of a household.Market Limitations: Reduced ability to meet the growing demand for affordable, shared housing solutions.Advocacy for ReformThe Bloomberg article, "Why Are Zoning Laws Defining What Constitutes a Family?"

I noticed you are interested in house hacking. 

**For context I house hacked for about a year after she passed away but couldn't live in that house anymore and sold it.

I have my dad’s house (he passed 2 years ago) and am wanting to rehab it & rent it.  

I'm house hacking rn.

Would love to connect and hear about how your house hack is going and what your next plan of action is.