The fannie/freddie rules on this issue are frustrating.

It is frustrating when there is help and the tenants don't care. 

French is my second language so understanding documents sometimes frustrate me.

I feel as though I made a mistake from the beginning, which is beyond frustrating....

@Ryan Zamora I own apartments that are considered affordable housing.

@Jaime Rossini,  there is a lot of info missing in your post to allow a full assessment but here is how I would look at the situation if I was to buy with a view to house hacking (live in the vacant unit for a couple of years).Regarding the purchase, this is how I would determine how much gap financing I would need.Purchase Price + Closing Costs for purchase and new mortgage + Cost to Upgrade vacant unit - How much can I afford to invest as my own initial equity?

If you’re under 29 you wouldn’t have been able to afford a house 40 years ago either.

Meanwhile, DC is a better option because of the quality of tenant but I would only be able to afford a duplex and I can manage it myself.

Strawberry Mansion is more affordable, but has problems of its own.What price range are you looking for?

This is so frustrating as I am doing my best to help her but she won't return my calls or email.