When I first started BRRRR'ing my properties lenders would tell me "That's illegal"....it's not, they just didn't know anything about it.

This is definitely a great place to start and learn about real estate and investing.

Seven, Starting on November 18th of this year, you can purchase a home with 5% down conventional loan and owner occupy a 2,3, or 4 unit multifamily. 

Starting out if your house hack lowers your cost of living you are doing well.

But recently they switched their payment provider from Dwalla to Stripe and Stripe started charging $1.50 for each ACH deposit for rent collection.

Huge lot and 2-car garage.I raised the rents right after closing, keeping one existing tenant. 1-1 $1850 (partially finished basement with bath).3-1 $1450 (existing tenant)1-1 $1000For a total rent roll of $4300. 

COC uses “total invested cash” so is that just my $50k or the $300k + $50k?

As far as the down payment %, that is totally up to you. 20% would avoid PMI, but even if you did 10% with good credit, PMI isn't that much (probably less than $100/month). 

We did a walk through and did not smell anything 2 days ago. so afterthe complaint we said we could go there and inspect.tenant started getting really angry and complaining about other things and how much rent they pay and we are greedy.

This includes a 4.2% increase in rent costs and a 2.5% increase in homeowner's equivalent rent.New Residential Construction Data: Housing starts increased by 3.6% in May 2024, reaching a seasonally adjusted annual rate of 1.72 million units.