It's not a deal killer if there is a valid reason but it is a Red flag that the underwriter will require a LOE/ - letter or Explanation.I mention 6 months because if you can occupy the home for 6 months you can refinance and transition the property into a full time investment rental if there is 15% equity.

I am also a Los Angeles native and graduated from CSUN not too long ago.

I was told Isla verde is a good place to start, but condo's seem expensive.

I am also a Los Angeles investor looking to house hack multifamily.

There are far more favorable ways to take a property than have the risks of a LO.

She is a LO that can get you that pre approval ASAP!

Alos hurricanes can reach North Carolina, and sometime Charlotte. 

I'm not sue i would want to hold a sub to property long term and risk the due on sale clause being called (remote chance I know) while having a renter or a LO on the property.  

Have had some initial conversation with a LO with Mortgage Calculator Company, LLC. 

In Los Angeles:- 4.5 miles puts you on the wrong side of the 405 pretty much everywhere until you get near Beverly Hills to the north and Torrance or Rancho Palos Verdes in the south.