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.

We have a $180K loan on it.

As you pointed out those terms would need to be favorable to them.Could you please go into the owner financing approach?

Purchase price: $199,900 My first real estate purchase, which I converted into a short-term rental, I rented for half the year when I was away.

Real Estate, short-term management business groups in Miami and its surroundings ?

I ask because you can turn this property into a short-term rental on platforms such as Airbnb/ VRBO.

I am wanting to start investing in STR acquiring or developing the real estate. I think Bend is a top place for STR as there is multi-seasonal demand and is a city with a lot of growth. Problem here is, apart from the...

This is a long game and the market is dynamic in the short term.  

I called couple Fannie Mae direct partners, and they said they can only do 1M loan at the minimum for multifamily loan.

I don't have a preference for age in terms working with other folks but young can be good from an energy, optimism and having enough time to put in the extra hours when needed (usually a younger person is not going to have a spouse, 2-3 kids and a bunch of other responsibilities).