@Lisa JordanSBA could be an option especially since you want to keep the equity injection low.  

Another option is DSCI loans this just uses property rents to qualify not your personal DTI.

Are you interested in long-term financing options?

I am currently using Zillow to screen tenants and had the application option turned on so I have candidates who paid $35.00 for the Zillow application fee.

...if the vacancies are frequent or extended, it can be a big expense, so I analyze this thoroughly.As for house-hacking specific costs, there are things like furniture/appliances/decor for the common areas of the house, costs of screening applicants (like background checks), cost to advertise, the time and effort required to manage a house hack, etc.  ...although these expenses are worth consideration, they tend to be much smaller and almost inconsequential compared to the big capex expenses that can come with buying the wrong property (e.g.; you might spend a couple hundred bucks on tenant screening, but a new roof might cost $20k+).Back when I was house hacking regularly, one of the most significant "costs" was the cost of my time and effort to acquire tenants (which includes all the time and effort of posting ads, responding to inquiries, answering questions, doing viewings, screening applicants, managing tenants once they were in-place, etc.).

And are there non commercial options available? 

The best part of it is that they offer my tenants an Auto-pay option, which has greatly decreased the amount of late payments I receive.

I did read in the IRS tax code that expenses like furniture have to individually be less than $2,500 to be expensed instead of having to be capitalized.

If you aren't a Real Estate Professional, I am not sure adding more to your portfolio, with the main intention being tax reduction, is the best option.

Memphis or Little Rock would be great options if you're looking for stable, slow growing areas that will yield more for you monthly.