Many have already seen this firsthand but the worst is yet to come unfortunately. 

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

The first point I was hoping to get across is formulating your entity structures in a manner that will achieve anonymity does not prevent claims from arising.To apply this in a practical manner, I volunteer myself. 

I’ve seen firsthand how house hacking can be a powerful strategy for building cash flow and wealth, especially in multi-family properties like the 4-plex you’re targeting.

If it was me, I would pay off the proeprty because its at 6% + rate which for a stock to achieve that with taxes I would need 9-10% so for me I would not take the risk of the market and just pay off the home. 

It seems I would need to submit around 100 offers just to achieve a potential engagement of 2% to 5%, with no guarantee of closing any deals.Thank you for your response, I definitely appreciate it.

Each step brings you closer to achieving your dreams, and with careful planning and perseverance, you’re sure to find success on your real estate journey.

In the recent times it was easy to forget this when many/most syndications were achieving 20%+ annual returns.  

But you have to grow into that.Add any more to the list in your responses.If you're looking to quit your job and achieve financial independence, real estate investing can be a great way to get there, even in your 20s.

House hacking could be a smart way to achieve both eventually!