Ideally, you want to find properties where the payoff is less than this number, so you can make a profit.

As of now after my emergency fund, I have about 3-4% down of $450k (another part of my $20k), which I know is not ideal but I would want to take advantage of the low interest rates, plus I would be living with my boyfriend and brother who would be helping me pay it off/splitting it 3 ways.

This is your ideal buyer.

If is a Sole priorship, a S corporation might be ideally for tax purposes.

When house hacking a 4-plex, you really should be looking to be living for "free" (at least).I suspect you put less work/negotiating into the deal than ideal, because of your EASE of funding.

I am born and raised in NYC and while it's an amazing  place to grow up, it's not exactly ideal for small investors like myself.

I'm right now sitting on the balcony of an ocean-facing condo in Kuaui with my bride (it's our honeymoon), and I've realized that my normal 9-5 job is not going to get me where I want to be - namely, sitting in an ocean-facing condo full time when I retire the day before my 60th birthday. 

The apartment wasn't exactly the space I needed, nor was it my ideal situation, but I decided to contact the owner directly to make him an offer that would help both of us.

Ideally, the accounting would reflect how much each member is able to entitled to safely withdraw (for instance, after a year of positive cash flow).  

Great investment avenue, and an ideal way to build wealth.Feel free to contact me if I can further assist.