First, hopefully you communicated with your Landlord in the beginning about the short payments and didn't just not pay as usual.

I tend to prefer nicer areas for the house hacks because the difference in down payment between a $100k building really isn't that much from a $400k building when you are only putting 3-5% down.

Paying extra on the mortgage will not lower your payment. 

For illustration purposes, the windows are a 4 week lead time so you put the window order on your card and once they are installed, your lender releases the funds and you pay down the cards.I see too many “Gurus” teaching new investors how to use credit cards to cover down payments and they teach this because it creates the false perception that anyone can buy real estate with or without savings.

I also hope to have the flexibility to focus on a personal goal of non-profit work involving real estate at this stage.I look forward to conversing with all of you, including building a reliable and trustworthy network of colleagues.

If I had given them a loan with payments, it affects the debt to income ratio.

However for example; I make back my down payment in 2.5 years I am only then seeing the money go into my pocket.

I am fine with saving more money to purchase a better property in the area, but with the money spent for a down payment on a SFH or MFH I could buy 2 condos. 

Purchase price: $700,000 Cash invested: $30,000 The most creative deal I've put together with owner financing, low down payment, and high debt pay off.

With a low down payment and being put on a 15 year mortgage, this property has great equity that we leveraged with a equity line.