I'm looking at a duplex and the owner offered owner financing on it, asking 10% ($34.9k) of the asking price ($349k).

Tampa for example, the most desirable STR's are also very desirable to owner occupants (near beaches, near downtown, etc). 

:(The system found out that many people were NOT cut out to be property owners.

Additionally, I would like to attempt to do the process Owner/Builder with subcontracting work out as well as doing some of the work I'm comfortable with (I have some experience with bathroom & kitchen remodeling an am not new to the construction industry).

I would also recommend paying attention to the landlord restrictions, rent control and overall laws as it relates to owner/tenant relationships.

D- Portion the cash in the IRA with other owners cash or partner with someone and apportion it back to the IRA when the deal is complete. 

I have made my own list of leads as well with some properties that I find vacant, probate, tax lien. but have only helped an out of state realtor on a deal a yr ago. and 2025 I would like to have the right people to go to with questions and or properties when I talk/find home owners that are willing to get rid of the property as well. 

I'm seeing house hack, buy a primary and rent out the ADU on AirBnb or the ultimate house hack, owner lives in the tiny ADU and AirBnb both levels of the main house in San Francisco. 

If you aren't paying cash and are doing owner occupancy you may be able to use FHA instead of Conventional with a higher down payment. 

Many DSCR programs require an investor to have a mortgage history- there are some DSCR mortgage programs that will work with investors who are renting- some refer to them as first time home buyers (FTHBs)- DSCR loans are only for investment properties where the owner isn't living there.