I'm a current homeowner with approx. $150k in equity. 

Still working on my first deal currently have 4/5 leads.

Rent is 3500, HOA is 1500.I have a lawyer negotiating with the lenders currently. what would you do if you were in this situation?

I would gladly send you a list of our current DST inventory and discuss your situation, goals, and what might make sense. 

We currently work in 37 states and I'm happy to waive notary fees for anyone in the BP community if you reach out directly. 

I've tried to make my own spreadsheet which makes more sense to me based on my current understanding of deals.

That can be particularly tricky in our current environment.

Current Situation: I am trying to househack a house in Cincinnati as I have 4 people who have agreed to live in the property that I buy.

I'm willing to leave the property empty for a year to take advantage of owner occupied loans, if that's possible.Here are my estimates..Property: 1,355 sq ft, | 3br 2bath | 8,500 sq ft lotComps / ARV: 500-560k ~ 530kTotal Needed: 340-400k ~370kSale Price: 270-310k ~ 290kRenovations: 70-90k ~ 80kSevere cleaning needed (doing myself)Severe landscaping needed, it's a jungleI'd like to maximize potential value and be at the top of in-area comps, so would like to do a full gutCash on hand: 20k - 30k------------I'm considering,- Seller financing + separate renovation loan- FHA 203K (BRRR)- Fannie Mae Homestyle Renovation (if down payment is below 5%) (BRRR)------------Seller Financing + Separate Renovation LoanPros:Low down payment (via seller willingness) <= 3%Low interest rate (via seller willingness) <= 3%Cons:I'm unaware of how I can finance rehab without a personal loanMust cash-out refinance to obtain equity, conventional loan rate will not be as good------------FHA 203KPros:Low down paymentBundles rehab costsCons:Higher interest rate than the seller financed loanMust cash-out refinance in order to obtain equity and make an investment property------------Fannie Mae Homestyle RenovationPros:Bundles rehab costsCons:Higher interest rate than the seller financed loanMust cash-out refinance in order to obtain equity and make an investment property------------I may be totally off on what would be optimal here but wanted to provide my current thoughts.

I have bought and sold six homes, had one beautiful flip, and kept one duplex that was a BRRR score and currently building two more duplexes with the opportunity for one more that is build ready.