There are a few things to consider about possible lender adjustments, but normally they worry about all other issues and you would get the cake and eat it too following that approach.I am doing that with one of my properties right now.

Many people say, as an aspiring investor, to stay away from properties that have an HOA, as it would eat into the possible profits/cash flow that I could possible bring in.

Not everything is about making a profit, I'd just eat it on this one and know you did the right thing for a family that is struggling. 

Land is a high stakes game and the big fish eat the little fish.

I don't expect this anecdote to resonate with anyone who hasn't dealt with NoVA traffic or seen the Eastern panhandle of WV, but I'll eat the commute for less people and a nicer home.

With that in mind, the question is this: Should we buy our temporary owner occupied multi family (still buy and hold though) with cash (that’s a lot of eggs in one basket, but also not ALL of our eggs) OR use traditional financing to purchase with 20% down (and keep even more eggs in the already fullish egg basket)? 

As for listings- I have gotten a great big goose-egg having tried it twice.

I believe in helping the downtrodden and it’s my Christian duty but there’s a big difference when people take advantage of landlords .i firmly believe if a man won’t work he shouldn’t eat - won’t work - Not can’t work ! 

It is a three family building all units with 3 bedrooms, 1 bathroom, 1 eat in kitchen and a living room and I would say the units are approximately 1050 sq ft each. 

These two items can really eat into your returns.