Quote from @Austin Wolff: Hey Kegan, I published on article on BiggerPockets specifically to answer this question for people like you (and selfishly for myself):The 10 Best Markets for Your First House HackNone of the states you mentioned are on this list, however.

As others mentioned, not a big deal for the solo 401k itself to lend.

i would:-get the highest paying W2 job you can-save up enough to buy a house hack-house hackwhile you continue to learn and consider the other possibilities you mentioned.

But the programs you mentioned are designed for what you are after.

An agent is ON YOUR SIDE as opposed to the wholesalers and investors you mention who are in it to make as MUCH AS POSSIBLE FOR THEMSELVES!

Let's analyze each issue you've mentioned:1) Tenancy Length: besides issues a landlord can't control, like death, sickness, job loss, etc., the actual management of the property & tenant play a large roll in how long tenants stay in their home.

Building a duplex on a single-family lot can be a great way to generate additional rental income, especially in a market where multifamily properties are scarce.To evaluate whether this is a viable strategy, here are a few steps to consider:Zoning and Permits: Since you mentioned the property is zoned R-2, make sure to check the local regulations regarding building a duplex.

As mentioned, it is virtually daily that there are posts that seem unlikely to have any path to a return that warrants holding the RE.i wish everyone be thorough and cautious in their underwriting.  

I would go with a combo W/D unit just like @Greg M. mentioned above.

You mentioned buying a fixer upper with your HELOC and now are talking about a 20% down payment.