The problem is: A traditionally financed low-down payment house-hack with traditional long-term rents simply won't cash flow during occupancy, or after, in many MCOL-HCOL markets in the US. 95% leverage at even 5.7% just won't work in a lot of cases right now.

I would advise you on the DSCR loan to implement/request a low duration prepayment penalty (i.e 3 years - 1 yr PPP).

Those holiday numbers are a bit low, those daily numbers are a bit high. 

If my spouse wasn’t opposed to moving I would try to buy a new house hack every 12-15 months and use low down payment owner occupied loans for as long as it made sense.

Mesa is a big area and can vary a lot depending on the neighborhood. 

Lets say your accountant tries to write off as much as is legally possible when it comes to lowing your taxible income so that your tax burden is less and you pay less taxes.

Wholesaling is a great low cost way to make a lot of short-term cash, but it does not build long-term wealth.

My father is a contractor so we will be able to complete most of the work ourselves while keeping costs low and add equity.

Originally posted for 100k over what the purchase price was I submitted an low offer and received a counter.

to your point, if you save up so that you're in a strong financial position, house hack a solid duplex in a decent neighborhood, make smart decisions, and hold it indefinitely, you'll be fine.conversely, if you have $0 and somehow start out with a risky flip, or borrow $20K and spend it all on a magic mentoring program, or buy a terrible property in a neighborhood you've never been to, you may not be fine.