@Viral JhayyyMost loan clauses refers to the intent to live in the property for 1 year.Do consult with a lender, there are downsides to using a strategy where you move out before the year is up on all of your purchases.

It will increase cash flow, reduce leverage, and the only downside is that the total asset value would be 50% lower, so I would get appreciation only on $150,000 and not on $300,000, but overall in the grand scheme of things I think it makes more sense, rather than scraping $100 a month but feel like you're fully optimized and every penny allocated according to the spreadsheet.I also realize everyone's risk tolerance and situation is different, if I have to sum it up this situation to me feels like a no brainer because numbers wise (trust me I ran the numbers) - cash flow would remain the same (assuming I went on with cashing out and buying more) but with lower debt so more room for error, and where I am "missing out" is debt paydown which again, with these rates is really insignificant, and appreciation on a higher total amount of assets, which I'm happy to give up on for the time being and swap it for greater peace of mind.What are your thoughts?

This is happening in many markets, including my current home market of Canada.The difference between us is that he thinks that the "risk" is more to the upside while I think the risk is more to the downside.

The downside of Saskatoon would be its winters.

Land is not in flood zone....I mean I just don't get what some of the downsides to some of these could be.

The downside is higher interest rate and fees, and they do not have low down payment options like conventional/FHA.

Whats the upside, whats the downside and whats the exit?

My question is what are the down-sides to house hacking and buying a manufactured home?

However, on the down side, it creates a very "buyer/customer beware" environment.

I think it works really well to limit the downside risk of a down season, but I wouldn't trade any of my good months for it.I also wanted to mention that you may also want to take a look at posting your unit on Facebook groups.