It would theoretically provide flexibility at that point in time before the 12th month.  

Flexible terms 

For your "BRRRR in Bulk" approach, you might want to explore lenders that specialize in portfolio or DSCR (Debt Service Coverage Ratio) loans, as they are often more flexible with complex financing structures like seller 2nd notes.

. , I do have a nice family from my church who is helping me with my son, so I do have a little bit of time and flexibility to work with, so I want to maximize my time and spend it in the best possible way.  

Also, someone with real estate investing experience can probably help you shop for loan products that could be more flexible on the owner occupancy requirements so that you can scale at whatever pace you want. 

Highlighting the STR revenue potential, especially in a prime location, could attract investors looking for both income and future appreciation.Steps to take:Prepare a detailed financial breakdown of the property's current performance and future projections.Include comparables in the area to show both STR potential and anticipated appreciation.Offer flexibility in the buyout terms (e.g., structuring it as an installment plan if needed).If you can’t find an individual investor, you might look for a property management company or real estate investor group that specializes in STRs.

A mortgage broker can also help find lenders with more flexible requirements.

**Niche Lenders**: Some smaller or more flexible private lenders might be willing to consider a second position.

This small business allowed us to quit our jobs for a more flexible lifestyle and supported us for about 5 years.

House hacking is a great start, with duplex properties offering flexibility and a comfortable living environment.