We are going for ten with one option to extend for ten years.

Between them, there are two irrevocable trusts. each has an investment property (plus the property where they currently live).

I've succeeded and transformed lives through hard work and dedication.

I currently live in the East Bay and am trying to understand the feasibility of an owner-move in.

Lots of coastal money hoovering up deals that look like major bargains compared to where they live and/or what they are used to... 

I live on the property with a duplex and little house.

Or in other words, the rent received from house hacking would cover our housing costs (mortgage, property tax, insurance, repairs, utilities).Upon research however Oahu seem to be a high cost and low cap rate area similar to SF where we currently live.

What are your thoughts on a tenant who lives in the property(long term) but does not have an active lease.

living I desert ac units is what we primarily do so when hit with so much on heating wasn't prepared

@Marko BukvaAs long as you be living in 1 of the units as your primary residence, then you can do an FHA 203k.If this property will be a flip or you will not live in it as your primary, then you can do a conventional rehab loan like the Homestyle or the CHOICERenovation.