House hacking is a financial no-brainer, it eliminates you single biggest monthly expense, so you can increase your savings rate.

When I originally put my savings into Marcus, it offered the best APY rate at 0.5%. 

Recapture typically happens only when you sell the property.If you use the property partly for personal use and partly as a rental in a given year, depreciation and other expenses must be prorated based on the number of days it was rented versus personal useBased on the current tax laws and regulations, once you've taken bonus depreciation on an asset, you cannot "capture" additional bonus depreciation on that same asset in future years, even if the rates increase.In the 2024 tax year, the rate for bonus depreciation is 60%.

The thing about condos is the HOA will go up and your mortgage stays the same so you will end up losing by the end of the mortgage. 

The interest rate on a HELOC or Heloan may be better than the personal loan. 

When you sign almost all mortgage closing packages, you are signing an Occupancy Clause that states you are intending to live in the home for 12 months.  

I'll look into qualifying for mortgages and how that whole process works.

And to have it cover 65% of your mortgage.

Here's a short treatise by a title insurer:A deed in lieu of foreclosure is a deed given by the owner of mortgaged property to the holder of the mortgage or its designee where the mortgage is in default and foreclosure is a possibility.

I have access to see properties on market with assumable mortgages for FHA.