The biggest hurdle I have with convincing ppl to househack is they feel like they 'deserve' to live alone, they've put in the time with roommates in college, etc and they wanna feel 'grown-up'.

On the OR Coast the regulations have grown 10X in the past 5 years, but there is still significant opportunity, particularly for initial owner/operators. 20%+ CoC is still quite common for premium Coastal STR's. 

They didn't know each other before moving in but they all have something in common and they are all grown adults.

We probably have about 8 or 10 that mom or dad is living with their grown kids.

We will build our experience and team, starting with a good foundation and grown from there! 

FICO is 630.I have very little income, and my debt has grown to be overbearing. 

I’m grown skeptical of Delta this past year, hasn’t been easy. 

Here are the common exceptions:Relocation for Work: If your job requires you to move a significant distance from your current property (usually over 50 miles), you may qualify for a second FHA loan near your new workplace.Increase in Family Size: If your household has grown, and your current property no longer meets your family’s needs, you may qualify for a second FHA loan to purchase a larger home.Co-Borrower Separation: If you co-signed on an FHA loan and are no longer living in the property (e.g., after a divorce or separation), you may qualify for a second FHA loan for your primary residence.Non-Occupying Co-Borrower: If you were a co-signer but did not occupy the original property, you may qualify for another FHA loan as the primary borrower.Important Note: FHA guidelines typically require you to demonstrate that the current property will not meet your needs or is no longer feasible as your primary residence.2.

So they have grown quite a bit.

This is how wealth has been grown for years for many people.