House hacking means low cash upfront, while living-in loans have low down payments too.

The last thing I want to do is deploy a large amount of cash to buyout my spouse only to then have the lender raise my interest rate to today's rates.

I may be selling a property in California and cashing out of some equity in which I want to put on my next investment property.

Or if they want a high-interest rate, and your numbers will not work at that interest rate, or if they really want a crazy high price where it will be difficult to cash flow and refinance in the future.

How YOU will be protected in the event that the project goes south and you need to be reimbursed.Is this a cash or financed transaction? 

You will be negative cash-flow of $12,000 on an annual basis which has a negative cash on cash return.

Are you cash flowing the property?

I'd strongly prefer to have a cash-less payment mechanism though, ideally a phone or a card that you can add funds to with a credit card or phone, so that tenants aren't forced to use coins or cash bills.

I want to get the most cash flow possible to quit my 9-5

My aim is to preserve cash and minimize the down payment as much as possible.