Now most of the time we don't see househackers/investors use in-house or portfolio loans from banks because sometimes they have more restrictive guidelines and higher fees for holding it which might cause the numbers not to work or for the deal not to go through entirely. 

If they only make $2000 and know their income has to be $3000 or higher to qualify, they can apply elsewhere and save the $30 application fee.

Your cash on cash return is much higher with a house hack and paying a less than you rent. 

I’m honestly surprised it’s not ranked higher in the industry.

A 1%- and 2%- rule property is hugely better in California compared to Costa Rica because you can leverage in California and you can't in Costa Rica (notwithstanding the fact the risk is higher in Costa Rica too so you'd actually expect a higher return there).

Credit (loans) become much more difficult to obtain and if available you pay a MUCH higher interest rate with a much higher down payment requirement2.

A 1/1 with a 4/2 on top is perfect for the hacker to live in the 1/1 and cash flow on the higher rents.2.

I'm sure some local banks will do higher especially with a strong relationship but don't think I will fall into that category.

The setup and ongoing fees will likely be higher but you'll be able to leverage the account to buy RE so it's a tradeoff like anything else.Happy researching!

The lower the class area the higher the cashflow you should be receiving.