I would always get a quote from an independent mortgage broker

My dream is to leverage this gift into financial independence through multiple income properties over the next 10-18 years before I retire. 

This implies that using the chimney vent to run wire is a no-no; each system needs to be independent of any other subsystem in the building.NEC 300.22 specifically covers wiring within spaces that handle exhaust or environmental air.

I am not sure how that works for EU citizens--I have been learning about the Portugal option from US citizens who have achieved FIRE (financial independence retire early).

You need to evaluate the deals independently.

Goals:Buy a house hack and live in the property for 1-2 years.Continue renting out the property after 1-2 years and purchase another house hack, ideally graduating to multi-family.Turn house hacks into cash flowing rentals.Become financially independent, so I have the freedom to take some time off and travel.Would love to get to know people with similar interests, are currently house hacking and know about the Los Angeles market!

She did an amazing job of presenting an overview of what it takes to be successful with any aspect of the business.A year is a tough timeline to achieve financial independence, but then again, you didn't say your current financial position- income, expenses, current passive income, current investments, etc.

Chances are the things that are mentioned as a result of an inspection could be things that should have been done properly in the first place, but you can always check with an independent contractor- not the one who completed the work in the first place and get them to sign off on the work.

We are fortunate to have saved up quite a bit of liquid cash that we are prepared to start growing into financial independence. 

I'm hoping to be able to invest in multifamily properties in the future to achieve financial independence.