I can check in with my local bank, but I don't want to waste their time when I'm not yet serious about doing a loan with them.   

I was going to add, as posted above, it's a great rate and stick with that local credit union for the future business. 

I am starting my first househacking deal this year and I will Segway that into my second deal by end of 2025.I would love to hear all you experts and pros with experience to tell your story.

Also does your locality allow you to work on investment properties?

Renting the PropertyIf your parents rent out the home, they have multiple income-generating opportunities: Renting As-Is: A 4-bed/2.5-bath home in a desirable area could command a high rental rate, likely around $2,500–$3,500/month, depending on local market conditions.

I am on the board of CFRI, the local chapter of the National REIA.

and am eager to connect with experienced investors to gain practical insights.What I’m Looking For:Advice on identifying cash-flowing properties and understanding market trends in Lynchburg or similar areas.Recommendations for a local real estate agent or property manager with experience working with investors.Insights on how to balance active and passive investing as I grow my portfolio.I’m grateful to be part of such an inspiring and knowledgeable community.

Any groups/meetups that i could attend in the local Houston area?

It’s the perfect opportunity for an investor hunting for a smart deal.Located in a great area with a charming downtown, awesome local restaurants, and plenty of outdoor fun by the Guadalupe and Comal Rivers.This is one of those homes that doesn’t come around often—a solid investment with tons of potential that won’t take much to make it shine.”The county has it appraised at $188,000 and here are some pics.  

I am no expert by any means but I thought I would drop my opinion here. 1) Should I focus on duplex since they're most likely less expensive in my area in category A or B properties, or aim for more units?