That being said, House Hacking is such a great way to start and choosing a multi-unit is something I would have done if I can go back in time.Good news: Illinois is NOT a community property state, so getting married won't hold you back (if you want to put the mortgage in either of your names individually).Easy way for you to calculate what you'll be qualified for: (Gross monthly income) x (57% max FHA DTI Ratio) - (Minimum monthly debt payments that show up on your credit report) = Max Mortgage Payment you can "afford".

And 4 individuals want me to call them because they want a house in this neighborhood . 

Your only recourse is as to the individual borrower, IF they executed a personal guarantee at the time of the loan origination.   

Subdividing a parcel, even just a simple parcel map to create 2 or 3 parcels can take some time/work/money. 

Real estate is an incredibly powerful tool to an investor in creating generational wealth.

But you need a workaround to integrate the integration and automation between these tools and marketing tools to create something that works on its own, so you can look into email responses as they would be leads that might be interested in your offer right?

You will sell the house for 550K and a great agent would create a sales environment to get you 650K see the difference?  

I guess we simply continue to forge on looking for our own individual private lenders. 

It's quick to set up tenants and also, you can create your own lease on there which i have done. 

But if you can make enough of a premium by leasing them individually yourself then do it and F their feelings.