I would not count on short term appreciation to be great.Negative cash flow can get old fast   Especially when large cap expenses occur.  

I am considering bringing on a design partner after having graduated from lower end flips to million dollar flips.  

Jersey City market is very expensive after running the numbers on multiple properties I just don't see how the numbers makes sense to still house hack there unless I'm doing airbnb or something like that while live in another unit.

Since you'll be living in one of the units, you can qualify for owner-occupied loans, which often have lower down payment requirements and interest rates compared to traditional investment loans​

We don’t want them thinking we’re trying to not be cooperative, but the appraisal is somewhat subjective and could come back lower with the next appraiser.

Keep in mind that refinancing comes with its own costs, and it’s important to calculate whether the savings from a lower interest rate will outweigh these expenses.

But of course, living in Pueblo would present issues commuting to work and also, from what I've seen and read about, possesses less potential for growth, has higher crime, and will demand lower rents.I'd love to get a MFH  but they're prohibitively expensive in CS and I don't want to get over-leveraged for one, assuming I could even qualify. 

It’s true but way lower than lots of other states.

So this determines if you’re putting down $2.4 on a more expensive building or simply looking as close to $2.4 as possible.).

When i applied for my first apartment in 30 yrs i found out my credit score had plummeted from a nice score of 720 to the lower 400's even though i had never missed a payment on anything in my life.