They are literally the law. 

Everything LITERALLY everything you've presented, tried 100X if not more. 

As simple as that.

Either you messed up the numbers, which it’s a rather simple calc so I hope not.

I think you need a little more education and a mindset shift.Real estate investing is a fairly simple process.

If it's a simple living room to bedroom conversion, it likely won't be that difficult to return to "normal" if that's ever needed but definitely a great thing to keep in mind.

Is it just as simple as entering your account information in their mortgage payment portal and making sure the payment comes from your account?

Setting up an LLC and accessing 50k+ in business credit is a simple process that protects your personal finances and positions you to scale faster.

An FHA loan with 3.5% down could make house hacking feasible, especially if you find a property where rental income offsets much of the mortgage.For now, prioritize house hacking close to work to keep things simple.

Seniors literally have better health outcomes.