I'm also hedging my bets by working with multiple local or regional banks.

You're best bet will be to read through the Atlanta specific forums found here: https://www.biggerpockets.com/...  

It is called a financial model; play with a BP calculator and adjust purchase price, rehab cost and rent until you have a fincial model that works.

Bay Area SFH investors are mainly bet on appreciation, and the long term rental not able to CF. 

But 25% down helps you avoid the largest rental property Loan Level Price Adjustments (LLPA's).

With that in mind, you may have to adjust your house hack strategy.

If the market adjust adequately (somewhat offer and demand not being so far apart), then we will have a better even market. 

Imagine having to move out your tenants (who are angry and shell shocked because all of their personal belongings were destroyed), rip out your flooring and drywall, dry out for a week or two, and put everything back together - All while dealing with a remediation company who has 15 other jobs on the go at the same time as yours, and a GC who also has 15 other jobs on the go at the same time as yours, and dealing with your insurance adjuster (remember, the whole neighborhood got flooded, not just you).

@Lyle Cooper, Much depends on your adjusted cost basis in the property (your original cost plus capitalized improvements minus depreciation). 

Then you just choose how to go about acquiring those properties, and adjust as necessary.I am guessing you probably already thought of a lot of this, but hopefully, that was somewhat helpful.