I would pay I/O for 5 yrs, and then ri-fi but you HAVE to hit your pro-forma to execute this plan. 

I altered the course I was on not for an easy route because I did form a company and was doing the business very well for a while.

Thank you for taking the time to provide the details and the pro forma #'s. 

However, as many will tell you on this website, know your market so you can be more critical when looking at the pro forma.

There is plenty of property for sale in Memphis TN that can meet the 1% rule and you wont overpay for it on a "promise" (The inflated profits via the pro-forma they gave you).

According to their pro-forma statements and current rents, that's about a 1% CoC.

Just one small glance at the properties, their pro-formas, etc., and any semi-experienced investor could tell you oh hell no.

Running your own, slightly more conservative pro forma ensures you’re financially prepared even if things don’t go perfectly.

The only way to answer that in general (whether house hacking in today's market is still a good option) or for a particular property, is to learn how to run the numbers and analyze a specific property to see whether it will be able to stand on its own as an investment when you move out someday.There are a lot of resources here on BP for doing that but I'd just say, make sure the assumptions you're putting into your spreadsheet or deal analyzer are realistic.Make sure the rents (especially for vacant units or pro-forma #s) are realistic by doing your own rent comps; make sure the mortgage rate is realistic by doing some research online and/or talking to some mortgage folks; make sure insurance #s are realistic by getting a couple of quotes for the # of units and zip code / area you're looking in; etc.I hope that helps, and good luck 😊

Its generally retail medical operators, so we include things like the market dynamics for our use and why statistically the market and location of the site will be viable form a business case standpoint, and speak to how the startup has enlisted the help of an EMR or other such consultant to help in their general rampup and ability to bill/get insurance contracts.