Read set for life if you want motivation to buy a house hack as your first RE investment! 

@Nate Wentworth if you start with multi family this early in your life, especially house hacking, then you will be set for life.https://www.biggerpockets.com/real-estate-investme...There are calculators here on BP that you should familiarize yourself with, and Brandon has done many tutorials and webinars on how to analyze deals...https://www.biggerpockets.com/renewsblog/2013/01/1...so I suggest finding potential deals in your area and start running the numbers to see if they make sense.

If it's downtown, I'd enjoy the safe and fun, and car-free downtown life and rent.

I was cut down to 8 hours a week and with no savings and large amounts of debt I ultimately had to file chapter 7....Hardest time of my life as a new father of a 6 month old and husband of a stay at home mom to tell them Daddy couldn’t pay the bills.However I have an amazing wife that helped me through everything!

I hope we both achieve our goals in life and in REI.

I have found properties on Hawaii Life that were not on the other sites. 

Here is a real-life scenario:1.

What would you do with the 90K and my life situation?

If there's any sign of life, then underwrite the property.Good luck!

You probably don't do your own legal, accounting, plumbing, etc. so why on maybe the largest transactions of your life ever try to do it yourself.