The fee is advertised publicly for all to see, regardless of age, gender, race, sexual orientation, accent, or whatever.

It’s like comparing a Kia soul tune-up to an f1 race car. 

“horse capital of the world.”

My current biggest property is an 8 unit apartment building and it is definitely a horse of a different color compared to my 2-3 unit properties.

If you can do this move in and rent out part strategy a few times, even up to 4 plexus that can be owner occupied, you will be out of the rat race faster and with fewer transactions than if you save up to buy one non-owner-occupied NOO SFR and then another and then another. 

But the range of possibility is  why everyone's been pointing you to your CPA to get specific.But from a horse shoes and hand grenades level of granularity - you can access that $500K (realizing a net of $400K after taxes. 

The finish line of the race for you isn’t 2 years from now it’s 15 to 20 years from now. 

It will be that much more challenging to escape the rat race with assets that add to your expenses each month. 

My question for anyone that escape the 9-5 rat race is.

if it's already gone to auction, it might be too late. it's a complicated process to try to get the bank to back out of that. and as the other commenter said, all owners have to be totally on board with your plan. not only are most sellers not down for creative financing, but those being foreclosed on are typically even less cooperative (i realize that makes no sense, just how it is), and divorced couples even LESS. i think you're putting the cart before the horse here in looking for a TC. for future deals, you can find a TC in pace morby's fb group.