@Bob Asadis this an actual property, or just a thought experiment?

My experience has been everything I expected. 

To get the underwriting based on solely a new appraisal, you'll need a ton of evidence - enough to convince an underwriter or risk officer who gets to make the call purely on internal company policy and not tied to conventional or govt published guidelines.All this being said, if you're already at a 1.0x with the current appraisal for the loan amount you want, going to 1.1x or 1.25x would only be marginally beneficial unless your lender wants 1.25x for some reason. 1.0x is generally enough to fund for most investors at or below 70-75% LTV.

IMPOSSSIBLE to answer, Also you have zero experience , but are doing an 800k deal, HMM 

Flipping need a good experience.

Feel free to share your experiences and insights as I am eager to hear from those actively involved in the market.  

I'm so sorry to hear what you're going through; I have a very similar experience, also with a tenant in CA.

In your experience, do you feel house hacking is the best way to get started in investing or have you found another avenue that works better?

Does anyone in Pa have any experience with this specific structure or can give me information on the best route to take.

Does anyone have any advice or experience in this market?