, I recall posters mentioning & it lowered risk. not a model I do in my day job.. just recall TEXAS investors commenting that LO is either not legal or highly restrictive in Texas.

Quote from @Brandon Croucier: No need to be paying an upfront fee to a lender.As a lender it is our job to perform or we do not get paid. 

I would focus on getting a solid job/career then going into a house hack. 

Don’t buy more than your job can support. 

If you are not familiar with Scott, Scott was the Executive Director of the Opportunity and Revitalization Council, which was tasked in part to support and advance Opportunity Zone tax credits during the first Trump Administration.

If that's the case, check out some of the economic data about what cities have strong job and population growth.

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.

They are there on time reliably, do a good job managing inventory/off site laundry, and generally do a good job cleaning overall.

I currently own a few properties here in Bryan-College Station, I have a full time sales job so try to stay as passive as possible. 

Also, focus on 2 years of job/income stability.Class D Properties:Cashflow vs Appreciation: Typically, all cashflow with little, maybe even negative, relative rent & value appreciationVacancy Est: 20%+ should be used to cover nonpayment, evictions & damages.Tenant Pool: majority will have FICO scores under 560 (almost 30% probability of default), little to no good tradelines, lots of collections & chargeoffs, recent evictions.