I would continue looking in the market as good deals do still exist for those willing to do the work.

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DSCR is a good option if it's a rental property.

Your house is too nice and too expensive to be a good rental property.   

I have other considerations like quality of the house at purchase, neighborhood, renting room specifics etc.

The PM is genuinely a good guy, responsive, good at resolving tenant issues.

Good Morning ,So I'm currently browsing through some Foreclosed / REO properties in my area , of which some of these properties are in good areas and within my budget/What I can afford ( DTI wise ) My question is .....

Good luck on the lot development downtown.  

Considering your goal of house hacking a duplex, while FHA loans are common for first-timers, there are alternative financing options to explore:Conventional Loans: Need more credit and down payment, but offer flexibility. 203K Loans: Ideal for fixer-upper duplexes, bundling purchase and renovation costs.VA Loans: Great for vets—no down payment, competitive rates, and no mortgage insurance.Portfolio Loans: Private lenders, good for unconventional income or credit histories.Hard Money Loans: Quick, high-interest, good for investments or major renovations.With $30,000, mix it up—use it for a down payment, maybe pair with a conventional or FHA loan.

Good morning, @Bhargav Hirapara.