I’m currently selling my main house and wanted to house hack but the only multi family properties coming on the market are like $1.2 million for a duplex and it just doesn’t math :/ Home prices here have always seemed to be higher than most areas. 

Main reason to split the lot would be to maximize the lot for cash flowing rentals.

Water and sewer about 200 yards away.  1 mile to the main highway.  

Here’s my two cents:Paying off the condo might make sense if your main goal is to reduce risk and enjoy the peace of mind that comes with no mortgage.

Example: owner bought $1 million SFH in San Francisco as primary, built 400 sq fit ADU, lives in ADU is making gross rental income STR  renting out two levels of main house, grosses $13,000 month.

Construction is mainly CMU, Concrete, and Steel (at least for my projects), and there is a bottle neck of those resources as only few supply the area.

And that is the main thing; I want to start REI early and build up a decent portfolio of cashflowing properties by the time I'm 30.

That's the main objective.

Mainly because of increased competition coupled with high interest rates.  

Hey Lorenzo,I'm up in Maine, so not too far from Boston.