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 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.

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

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.

He emails out potential properties to be funded and the first person to reply with a filled out order form will be funding that loan.

I'm not that professional but I think a whole house filter would filter particulates like dirt but not chlorine. for chlorine you might need a reverse osmosis system for a specific drinking water tap to eliminate the taste as it's not practical or efficient to put an RO on the whole house supply. if skin issues from bathing are a problem you might need a softener. sometimes when kids have eczema doctors actually prescribe "bleach baths" where a small amount of chlorine bleach is added to the bath water. also many of the water treatment systems can be rented so maybe just rent it while they are there. regardless, proceed with data. water test, pediatrician diagnosis (if it's legal to ask for, no clue), and a system that is right for the application. sounds like the tenant is willing to help out which is awesome.

and about how long did it take for application to move forward to next step?

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

Can you sense the potential pulsating through the city streets?

So someone who is looking purely to maximize potential return (and has unlimited time) is unlikely to find this a good fit.Turnkey operators are kind of in-between.