Also, the short answer to your question IMHO is as early you possibly can haha

Purchase price: $178,000 Cash invested: $10,000 primary home own use has an Airbnb/ short term rental 5 months out the year/sometime this year will try BRRRR

Fast forward a few years we are we financially free via house hacking and owning small businesses (leveraging our house hacks as collateral). 

Depending on your current rate or if the current loan is short term or long term.

I’d just learn for free from others on here, or read books and listen to podcasts.

Free meetups and BiggerPockets forums are great for this.Cold Calling & Door Knocking – If you’re willing to hustle, contact absentee owners or landlords with vacant properties.

Be sure to explore all around the forums as well as many of the FREE tools that Bigger Pockets provides.I am on the lending side of things and am always happy to hop on a call to discuss loan options that are out there, even if not offered by my resources.

Feel free to reach out if you need a brain to pick.

Please feel free to reach out if I can be of service.

Quote from @Anil Shah:  Short answer - if they originate a loan that they want to sell to Fannie Mae and Freddie Mac, they need to follow their guidelines.