I also considered the appreciation potential.

Unfortunately, I don't think one exists.If you exhaust your potential down payment for a future primary residence by buying a multi-family now, then ... you can't buy that future primary residence until later.If you're running the numbers, and they ain't working, then you've got your answer.

Potential Solutions: (a) I'm thinking of contacting the seller directly (I obtained his/her email from already provided screenshots) and asking for the utility bills.

Potential is like wishing in my eyes so a break even amount for rent on a $700k property at 5% down seems like a huge ask.

They can know sellers seeking a quiet transaction, or they might have information about off-market properties.Because off-market transactions sometimes include personal circumstances, keep in mind to approach potential sellers with professionalism and sensitivity.

This is potential schizophrenia pattern.

Banking locally gives you a human you can speak with about your potential deal.

I already completed the lead inspection.I have a potential tenant looking to move in April 1, can I have a tenant before the license process is completed?

I asked my agent why the Sellers would downplay the property as only 1,895 sq ft and she said it looks like the current owners bought the house with the sunroom install, but could’ve later added the heating/cooling systems BUT, didn’t go to the county to get it permitted/assessed to be added as true sq footage.

Would have to do the math backwards by figuring out the build cost and potential value when the project is completed .