True-Up & Billing Cycle ChangeSince you were underbilled before, your current bills may reflect actual usage rather than an artificially low estimate.The switch from bi-monthly to monthly billing means your payments are more frequent, making the cost feel higher even if the overall rate hasn’t changed.2.

This is a fully legal process that has been irrelevant since the 80s because rates have just dropped.

My first deal was 5% down house hack on a 4 unit and then I used equity from that first deal to do 2 more deals once with a cash out refi and once with heloc.

It may vary from others' advice, and it will be up to you to determine what feels best for your needs.In your position, it is super smart to rent first. 

It's gone through a bit of a fad-craze so I'd say first thing to look out for is vet'ing the credentials of them, there business.

Congratulations on your first investment property! 

Quote from @Paige Gardner: Does anyone have Any HML recommendations I'm a beginner and want to get started right away but want to weigh my options  Hi Paige, Is there a reason why you need to start with a HML first?

If it's currently an STR they should be able to provide you with the p/l statement from prior years so you can see gross rents, operating expenses, average daily rates and occupancy levels.

I would not recommend them as their points and interest rates are so high it is extremely hard to find a deal that will work with the 0% down.

What if I like a banker but another bank is offering better terms on the first couple deals?