Hard money lenders will base terms on the relationship and previous completed projects, so you'll want to interview many and compare.

Especially compared to the Smokies.

Comparable MLS properties in the same neighborhood sold anywhere between $80k - $120k in the last 12 months but I couldn't find too many 3 unit examples.

I'm a novice compared to some if you can't tell

Often times the cost is minimal compared to the amount of money at risk with a mortgage. 

simple math, compare the cost of the total payment now (pi +pmi) to new (pi) and see which one is lower.

I see the chart but it doesn't have Reno on it and you don't mention any numbers for Reno to compare with that chart.

He explains enough that its compelling, creating flexible pricing strategy to drive your calendar to maximum revenue and occupancy BOTH at the same time (which some say is impossible, but it is possible) I know of Rob too but yes compared to Sean he is a beginner.

Since you'll be living in one of the units, you can qualify for owner-occupied loans, which often have lower down payment requirements and interest rates compared to traditional investment loans​

I really want to understand how those rates are comparing today against 30yr fixed.