House hacking is always a safe bet, which should give you plenty of possibilities and allows you to put a much lower down payment. 

I told a realtor I was interested in one and she told me the board may not allow them to be rentals.

It also allowed me to pull enough value out of the home to finance the rest of the build.

Hi Siyi, something powerful that you can keep in the back of your mind: My understanding of California's ADU law is that it requires all municipalities to allow conversion of any single family home (SFR) garage into an ADU.You mentioned that you're looking to house hack but don't feel comfortable having renters in your space.

Cashflow for profits (Like I mentioned before, worst case is to break-even which will allow me to control a desirable property that essentially pays for itself after initial cost to build.

I disputed the reversal and Buildium let me know that their policy allows account reversals up to 24 months in arrears.    

Some of the stricter states like NY and CA may no longer allow this, I’m not sure.

I'm not allowed to promote meetups here, but you can click thru to the BiggerPockets event listing, which will provide details if you're interested. https://www.biggerpockets.com/...

I'll only have to pay monthly rent and an option fee to move in, and I plan to find tenants and charge them a monthly rent that will cover my rent and allow me to live there for free.

This diversity allows for tailored investment strategies, whether for rental, refurbishment, or commercial use.Urban Revitalization and Development:Significant revitalization efforts, particularly in downtown Allentown, have enhanced the Lehigh Valley's appeal as a center for business, culture, and metropolitan living.