That said, your first real estate investment could be your primary home (I know this article says "retirement" but really... it can be a plan of attack for any stage of investing). 

Hello Community,       Does banks / loans allow primary residence house hacking of a muti-family (2-4 units) in OK with a lower down payment other than 20+%, when it's not your first muti-family?  

Because you purchased this as a mixed property (primary and investment) you can use the appropriate tax mitigation technique for each side. 

I have dealt with similar before (funny, both times were my primary house, never on a flip) and one time I did a 1/4 round (hardwood where carpet used to be) and another time I took the top riser off and moved it up the 1/4” I needed.

Purchase price: $155,000 Cash invested: $2,500 Purchased as primary residence to House Hack when newly married.

-StephenIf you do not have the cash or any equity in the property at all to pull a HELOC or a refinance you can always raise private money, partner with someone, use creative financing to get into a primary residence through owner financing, lease option, subject to.

One obvious way is to leverage our primary residence.

I agree with Jacob that if you find a good deal, doesn't matter how the market is doing, especially if you are looking for long term investment and cash flow is your primary objective.    

They also require the house be 3 hrs away from your primary residence.

The primary issue seems to be most of them are secondary market lenders so thwy all have the 6 month seasoning.