My realtor down there also placed me on an auto-search that e-mails me the minute something that fits my criteria hits the market. 

For some, it’s losing weight.

I can say I will never travel again without one :-) The freedom it gives is worth its weight in gold!!!

Tony, if you PM me your e-mail address I'd be happy to send you my procedure manual to see if it is helpful.  

As I understand it FHA would allow you to use 100% of rents if filed on schedule E, otherwise you can use 75% of rents on lease/s.Do yourself a favor and stop talking to the banks, but rather call licensed mortgage loans originators/brokers in your area and have them walk you through the process and your options, I think you will be encouraged.Finally, I think that your decision to house hack a 4 unit will be one of the smartest choices you have ever made and if you buy right you should be able to live for free or almost free and help you create financial freedomBest of luck!

Ever think about how much dead weight that is in such a small area?

. :')N I C E Ps Been where u are ?

The two I would recommend are: B & E Lending (www.belending.com) - Karen CausseauxReZamp Lending (http://rezamplending.com/)Both have similar programs.

We will also be replacing the front door to give it more weight.

To have your GC fully finance your first deal and take you under his wing is worth its weight in gold.