I want to house hack the next 4plex with a conventional primary loan using 5% down. 

If the PCR shows the property as UI (UnInsurable) then many traditional lenders may turn you down. 

So I'm curious to know which way is better.So let's say I have $100k cash and I can either put 30% down on $100k duplexes, or buy 1 in cash and then BRRRR.

I am trying to raise money from Friends and Family for putting together the down payment needs.

Hey @Angelo Cortez - The City is clamping down on these but long-term buy and hold in Madison is still great.

I am painting an ugly picture for a reason, if you are not in it for the right reasons, you will probably get ground down quickly. 

Arrange to pay them a reasonable down payment and monthly payments.2.

So sometimes, being the one property that books two separate weeks in January can bring you about the same revenue as a full monthly snow bird rent AND will give  you some down time for repairs.

If there is enough equity within the properties based on their appraised value, you may be able to do a packaged loan for these two properties and then have enough equity for a down payment on another property.

Want to put 40% down.