I can tell you almost no buyer wants to assume a solar panel loan. 

We bought the house in 2021 and have a 3.5% interest rate. 

So are investors just doing this illegally, assuming their loans will never get called...or is there something I'm missing?

Does that apply to conventional loans in general?

It was 20% back when we got into flipping and moved houses for investors 10+ years ago, now it’s 10%.I do not flip anymore, I prefer to flip and hold.

I would lean towards holding and doing anther house hack if you can.

Nicholas, as long as you live in one of the units for at least one year, then you should qualify for an FHA loan.

Are you looking to get an investment property at 20% down or a primary residence you can house hack (rent the rooms in the house you are living in), or a primary residence (better for people who are married/have kids/don't want roommates) where you live in it for 12 months then rent it when you buy your next property to repeat the process.

Find a property you’d want to own where the owner is willing to sell with owner financing or subject to an existing loan.  

House needed a full reno.