Hey @Eldad CohenI just translated your message.

I am not sure how they will translate to your country since there might be a difference with; financing, insurance, taxes etc.

And that translates into my point of there’s reasons outside of just the numbers that people get into REI.

My service translates to a capital contribution.

Translation: "you would both own a certain percentage of the WHOLE property.

Your short sited analysis stops there and assumes that lower interest expense translates into higher profits.

Additional Liability:  Umbrella Policy           If the building is 5 or more units then  answer 1. is just Commercial Package or Business Owners policy                             Hiring a Property Manager does not alter the policies you would get. 

The upper floor will be easily converted to a 3 bedroom unit with some layout alterations, not even moving any walls, just some doors.

Another advantage for me is that house hacking means buying in a neighborhood I'm comfortable living in, which typically translates into renting to people that I'm comfortable with.

I also came to this conclusion after thinking about it, and analyzing markets, noticing all of the same things you mentioned here.Best school district is great for the tenants that live there, but that doesn't automatically translate to a good place to invest.