It's amazing how everyone, staff and students are extremely helpful.

@Ken Dunn  Your response was incredible - Extremely insightful, informative and thought provoking.  

Why this is King is because in San Diego it is extremely difficult to buy a 3-4 unit property with a primary residence loan since nothing tends to pass the self-sufficiency test whereas the VA loan it is not a requirement. 

All this input has been extremely helpful.

I'm looking at small multi-family for house hacking but have the following issues with risk and financing.1. conventional lenders require 10+% down on multi-family2. buying the property in my name (to get cheaper financing) and then transferring to LLC (to mitigate landlording risk) isn't possible from the lenders I've talked to (due on sale clauses can be triggered)3.

I have walked through a couple of prospective properties, and the rooms are extremely small in these single family homes.

Check it out with your tax guy before you pull that trigger.

This is the route I'm *most likely* gonna take since hard money lenders that I've contacted have too many extra upfront fees in addition to extremely high interest rates.

In that case finding 1% should be extremely easy.

@Chirag Rathod A couple of advice if you want to pull the trigger sooner rather than later. 1.