🎉 Congrats to you and your husband on taking the leap into real estate investing!

I am also happy to share any insight on BRRRR strategy.  

This could be too much to bite off as a beginner.

Now do i think human activities can have impact on this, 100%.

It would be wise to ask your CPA the capital gains exposure once this strategy is being executed.

It is subject to.

I knew there were some HML lenders that did OO, but OP credit score “isn’t great” (which likely means it’s poor) and “technically don’t make much money” (which likely means he has little income).i think it is long shot any HML that does OO will take on this risk for what they can legally charge for OO loan.  

going to commercial financing on 5 units will significantly hurt your valuation.  

I suggest doing your own research for data and assumptions (like rent, vacancy, appreciation/depreciation, etc.) and not rely on AI. 

I've been reading books on the subject (Small and Might Real estate investor) and listening to the BP podcasts for a few months now, and I was initially very excited about finding a multi-family property to start out, in order to maximize my leverage against an FHA loan.