Hypothetically, If a traditional lender charged say around 4000 fees/closing cost etc and 5.5% rate along with a mandatory 25% down payment  ; Are there individuals who can lend to the same person at better terms beating out the traditional lender?

The traditional mortgage broker we are using wanted to use my personal banking and debt-income and needs the down payment to come from me.

At 22 you are more likely to tolerate a room mate compared to when you are older. 5) This is probably the least popular idea.

At the end of the day, your appraiser is merely comparing your property to the recent solds in the area... and that's pretty much it.

I would also continue to search and compare software on Google to see what your best option is before settling on QuickBooks.

Option 3: Currently i am renting out a room with family, because i was trying to reduce cost while i was in nursing school, The amount im being charged is very minimal compared to renting something these days, so i feel blessed, but i have thought about house hacking as option 3, purchase something on the larger side like 3,4,5 bedrooms and rent out 1 or 2 of the rooms.

Once you open up the potential market to the entire country, it's a whoooooole lot to consider as you compare markets against each other.Should you decide to look into Northern California (Sacramento / Stockton) or the Phoenix Metro area let me know and I'll try to get you pointed in the right direction.

It is an unfair comparison if investors are only comparing relative to the 2008-2012 period.

You’re also going to pay a large premium for being month to month compared to similar units on standard leases. 

Does this seem out of line or simply outrageous compared to the size of the loan?