Purchase price: $127,000 Cash invested: $80,000 Sale price: $270,000 Rehabbed house for BRRR.

Remember, most of these loans are not like your house loan, where the house is collateral, but really YOU and your income are the security of the loan.  

I want to occupy one of the units so I can get an owner-occupied loan and only have to put down 3.5%.

IMO too many focus on location to much, sure you do not want to be next to a crack house, but price is key.

@Mohammad Murad With a house hack you typically have negative cash flow and negative ROI while you’re living there.

I personally would recommend looking into BRRRRing and flipping houses so you can leave and rinse and repeat your capital as much as possible.I would recommend working with a good investor agent and other wholesalers.

Would love to hear suggestions on how can I get there Get into a house hack with 5% down.

The uncertainty around potential policy changes related to housing, taxes, and economic strategies has already caused some investors to wait on the sidelines.

You could potentially "House Hack" the ADU you mentioned, instead of renting.

I get it I built half a dozen starter homes in FLA that were to minimum UBC code but they are still designed better than HFH when it comes to curb appeal.. and keep in mind your neighborhood is owner occ.. huge difference than subsidized housing.