That’s how I got started—with little to no money out of pocket.

So I start with the sponsor first.

At this point, due to all the mixed messages I have received from Sunrise, I started to wonder if they are still in business.

That is why I chose Seth William's program @Tiffany Henning, I totally agree with you.

I have saved up some money but my goal is to save up at least 20k in a year before I start looking for options on house hacking in a duplex.

I'd say just start your search with all 2-4 unit properties, and when you find one where the numbers make sense and it checks your other boxes (somewhere you actually want to live and house hack), then it probably makes sense. 

I'm thinking interest rates will sit at 6.25-7.5%, with total cost at roughly 210k.

That place is a total joke.

If the rental lease started 1/1/2025 it's likely it was technically in service in 2024. 

Bank financing is very tough for anyone starting out so HML is generally ( unless you use your own cash or cash in your network) the only funding there is.. the goal has to be though moving towards bank financing so you get the best deal possible.. right now I am at 1/2 point and 7% and my bank pays for my appraisals.