You would want to do full cashflow and COCR/ IRR calcs to really make your decision.2x $1800 rents  $900 rents if owner-occupied 280k, DP 56k, Fin 224k; mo pymnt $1,069; negative $109 before expenses3x $3795 rents $2595 rents if owner-occupied 375k, DP 75k, Fin 300k; mo pymnt $1,432;positive $1163 before expenses4x $3100 rents $2400 rents if owner-occupied 395k, DP 79k, Fin 316k;mo pymnt $1,508;positive $892 before expensesTo me without really doing a full analysis, it looks like the triplex with these numbers gives you the best result.

Now over a month into the process I'm being asked how I xpect to get 100% financing in relation to having a negative $90K net worth due to my primary residence being upside down stemming from the market crash. 

A friend reviewed my letter and opined to me that referring to my self as "real estate investor", in my own letter would spook potential clientele due to the negative connotation the phrase has in modern society.

@Kristopher Hanks I have been avoiding the Collinwood Area because of the crime statistics.

When I plug the numbers in, I run into negative cash flow If i do not include my share of the rent/money I could be saving by house hacking.

Soooo, what I'm trying to say is that a refinanced mortgage doesn't have as much potentially negative effect on your score, as long as you make the pre-determined payments, while a credit line can really negatively effect you, if you use it to buy other real estate and use too much of it and now your score is too low and you can't refinance that property into a mortgage. 

Any major issue with the house and you're negative cash flow for the year.

Other than that there's no real negative affect to me, so why not help people?  

Just because they're statistically in a good position to sell, maybe they haven't thought of selling yet.

If you can't get close to the 1% rule on your property, you shouldn't buy because it will provide negative cash flow as a rental once you move out.