This Mountain Modern condominium has high-end finishes in kitchen and bathrooms including heated floors and custom built-ins in the living room.

I understand I could do primary residence and do a 5% or even 3.5% down, but I do not want to be stuck living in the unit another year. 

Despite economic fluctuations, the fundamental need for residences, whether for living or investment purposes, continues to drive the market forward.

I could also potentially live on the property and turn my current home into a STR, but that’s not in the immediate plans.  

You live there for free. 

...if the vacancies are frequent or extended, it can be a big expense, so I analyze this thoroughly.As for house-hacking specific costs, there are things like furniture/appliances/decor for the common areas of the house, costs of screening applicants (like background checks), cost to advertise, the time and effort required to manage a house hack, etc.  ...although these expenses are worth consideration, they tend to be much smaller and almost inconsequential compared to the big capex expenses that can come with buying the wrong property (e.g.; you might spend a couple hundred bucks on tenant screening, but a new roof might cost $20k+).Back when I was house hacking regularly, one of the most significant "costs" was the cost of my time and effort to acquire tenants (which includes all the time and effort of posting ads, responding to inquiries, answering questions, doing viewings, screening applicants, managing tenants once they were in-place, etc.).

We live in rural NE Ohio.

I’m also in the middle of my first fix and flip in Cleveland (remotely, I live in Rhode Island).  

I used the search feature but wasn't successful in solving my problem.My sister-in-law has been living in one of our houses for 2023.

We have money to put into a new property, and we'd like to live by the beach.