This would be my first time renting out rooms.

@Tiamo Wright is getting g this over the finish line. 

You get money at closing and then you refinance when rates go down.Anyone done this before?

Some "captive" agents like Farmers, Nationwide, maybe others also have some market access other than their namesake, but unless things are different there State Farm has State Farm only so when they're done, they're done. 

I am ready to talk to mortgage lenders and anyone who can help guide me on a financial plan to rebuild my credit and start a small savings to build up to my first house hack deal in Q4 this year in the Raleigh/ research triangle area. 

I'm curious with this FB/mentorship group what are you posting about daily? 

4) This is not a question.

Which one is this one? 

Just food for thought- It's not always in your best interest to provide all of the materials, negotiate too hard, refuse to pay a deposit, etc.

And fall in equities will only exacerbate this trend - along with continued on-shoring / pro-growth trends the current administration is pushing.