You may want to branch out and start looking for private lenders to help fund your deals. 

Meetups and happy hours all over town almost every day of the week. 

@Stephen Burch VA loan would be a great tool to use to start your investment journey!

@Bruce Tieuhouse hacking is a great way to get started and I think your plan is great - but I would reset your expectations on the numbers:1. the goal of a house hack isn't to live for free. 

After 10 days they must commence a lease and start paying rent to hold the property. 

I'll probably start looking there. 

Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZ my mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?

Hello,I'm new to the field of real estate investment and eager to learn as much as possible to get started.

Hello all, I am just starting my journey with real estate.

The local facebook groups are a great place to start