I did the same thing as you with my VA loan on a new townhome back in 2020; you won't regret it!

What's a fair amount, well that depends on what this is actually costing you in terms of actual expenses plus the time and hassle involved.

I work with The Short Term Shop and they specialize in helping investors purchase and learn to run and manage their str's. 

What is the best loan for a Real estate investor with 10 or more residential properties thats all occupies with no debt?

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?

The definition of wholesaling (a new term under SC brokerage laws) reads as follows:"Wholesaling" means having a contractual interest in purchasing residential real estate from a property owner, then marketing the property for sale to a different buyer prior to taking legal ownership of the property.

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.

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.

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