The other watchout is if you lose your job you are required to pay the money back quickly, like 30-90 days with most 401K's or the loan gets converted to a withdrawal that comes with tax implications and penalties. 

While I understand market trends, negotiations, and deal structuring, I know that becoming a successful investor requires a different mindset and skill set.I’m here to learn from those who have been in the trenches—whether it’s flipping, BRRRR, multifamily, or long-term rentals.

Aside from the 0 money down, even FHA requires 3.50% down, everything sounds like you're on the right track.

It also has a dashboard where you can see how far along you are with meeting the 750 hours requirement with at least 500 hours in material participation and 250 hours in general participation.

@Michelle Hardy recommend you compare projections for:1) Current rent-by-room2) LTR2) MTR4) STRRank them by revenue, expenses and how much time each will require from YOU.Find the balance that works for you!

Community banks generally have no seasoning requirements.  

ADU zone expansion is not certain, and even then who knows what the rules will be (owner-occupied requirement, etc).

DSCR loans generally require 20-25% down.

We're looking to gather info about likely cost, pitfalls, time required, considerations when obtaining financing, etc. 

As of October 2024, 75% of remote work employees now have some sort of in-person work requirement, up from 63% in 2023 (Source).