The SST doesn't apply for legal 2-flats so if you want to use FHA it's probably better to target those that maybe also have a non-conforming basement or attic unit.This is why the 5% down conventional loan is a game changer for house hackers.

While it provides opportunities for buyers who may not qualify for traditional loans, it's important to ensure affordability and long-term sustainability.

Understand what you are investing in....is it a secured loan, unsecured loan, membership interest in an entity that deploys capital like a feeder fund or direct membership interest in an entity that is the deed holder? 

I’d pay my 0% interest for a year credit card loans and 401k loans off asap then repeat.

So a loss of about 55k We did a lease to own option so I could immediately take over expenses but keep their primary resident loan and interest rate.We agreed to a deal which would cover all their expenses at closing, their remaining loan balance, and $45,000.

@Luke Hamlin you can buy a second home with 10% down with a Conventional loan.

Here on planet earth it takes longer than 5 hours to do that job and people who do consistent work don't work for $2 dollars an hour.

My mother alway said you can’t teach stupid, but what the heck, I’ll give it one more tryI’ll use an example with dollars, to make it easier to follow.  

Depending on how much time you have to commit to real estate (or want to considering your dollar per hour is probably better spent in dentistry) you may want to consider becoming in LP in a real estate syndication deal.

I’m in a small financial bind right now and I could use the $300 back, especially since I’m not really planning on using the pro features any time soon.