Hello Wayne,If your work offers a 401k match, that is the minimum you should do - that is essentially free money. 

One match can start a whole fire - and in this case, acquiring that first househack is the match and generational wealth is the fire.

We had to come up $10K to match the flipper, but still ended up getting the property for $40K under list price.

Reach out if you would like to discuss further.To answer your questions: I built my own excel calculator that matches the bigger pockets calculator, not sure what a pro forma sheet is, I am not at the point where I want to do a cash-out refinance but am hoping to refinance to a lower interest rate soon, I just passed a year in the house and my wife and I are looking into property #2 for 2022 so we will be here for a little while.Something I want to mention to you is you plan on the conventional financing.

Find the micro-markets within those huge markets that match your criteria for a good deal, then camp out in that micro-market(s) until one of those deals pops up...then jump on it. 

If you purchase the other unit, you still have two distinct parcel IDs, two titles, two tax bills, etc, but it sounds like (or your lender is interpreting) that you want to refinance the whole building, which I've never heard of with a conventional mortgage.You can combine the properties to own the single building with two households (one parcel, title, etc) to refinance the whole building, but then you do lose the option to sell off one unit later (though you could rent it just fine).If you are just wanting to refinance the unit you purchase in cash, I don't see why the lender would want any changes to the HOA. 

Many lenders have a problem with this - you need to make sure you're matching a lender who allows the use of Gap Funding with your rehab/hard money loan.Shot you a PM on this also.

I have made only a few posts and connections so far, but honestly they are some of the strongest and most immediate "match made in heaven" type of relationships that I have ever gotten. 

I use it to make sure the temp matches our thermostat.

@Dylan ButtenbuschVery often the zoning doesn't match the use of the property.