Another option if your networth is high enough, some banks (like CIBC, National, etc) have a "back" lending platform.  

I bet that was what brought the national average down.

still keeping my money out.although is the saying never bet against the Fed or something like that. 

There are a number of platforms that would allow you to get paid via credit card (i.e.

(Bet you didn't think of that when you were trying to justify your logic on "property" and railroads)  The "temporary emergency" never justifies the trampling of Constitutional rights,  PERIOD. 

Nothing wrong with telling a kid be a kid.I bet a million books the kid is lost. 

Utilize a professional platform including the following.           

I bet it's pretty busy in the summer during track season.

If you want to avoid house hacking, your best bet will be to find a seller who is willing to hold the note instead of the bank (ie seller financing).

If you put a lot money into that ROTH 401k platform early on you will be able to utilize it as your cash reserves for real estate investing, and also have the security of knowing that your retirement is taken care of.