hello Nicholas thank you for taking the time to read my little blog and responding, I am not quite sure what house hack is would you be able to describe it more to me and any sources I could use to look more into that ?

I have a couple of other investors doing this too and we meet often to share knowledge, you may join us if close.By the way, I will follow all recommendations as described by other. 

It sounds like what you are describing is more like someone renting your basement space.  

@Jennifer Fernéz purchasing a commercial property such as the one you are describing usually requires 20%-35% down depending on the current rent rolls. 

We're not actively buying but when we jump in the river the current is strong in the wrong direction (like described above).

Given the situation you've described, you can present an addendum that the power be put in your name with the tenant being responsible to pay utilities as additional rent.

But you describe them as small.

Refinance means you're replacing an existing mortgage -- that isn't the scenario you're describing.

I do not think the recipient of a ROW can demand anything but the right of the use as described in the deed/ROW.  

What you are describing are the unintended consequences of government overreach:  The Fed has been tampering with interest rates to keep them artificially low for a number of years, in an effort to avoid a recession.