@Peter Morgan you can't afford to not tell them...It does not matter that this is owner-occupied.

@Tony Hershiser60-70 hours /week working for someone else is problematic, not just for real estate investing but I would imagine for your health and happiness.

In my county , the health dept has records showing the location of the tank and drain fields / dry wells . 

What are good health insurance for self employed realtors

@Ryan Zamora I own apartments that are considered affordable housing.

@Jaime Rossini,  there is a lot of info missing in your post to allow a full assessment but here is how I would look at the situation if I was to buy with a view to house hacking (live in the vacant unit for a couple of years).Regarding the purchase, this is how I would determine how much gap financing I would need.Purchase Price + Closing Costs for purchase and new mortgage + Cost to Upgrade vacant unit - How much can I afford to invest as my own initial equity?

If you’re under 29 you wouldn’t have been able to afford a house 40 years ago either.

Meanwhile, DC is a better option because of the quality of tenant but I would only be able to afford a duplex and I can manage it myself.

Strawberry Mansion is more affordable, but has problems of its own.What price range are you looking for?

I kept taking damage to my health bar, which was my bank account and I needed a solution.