I think thats a great idea to hold the lower interest rate because with the time now of high interest rates and these don't even compare to years ago a 1.5 percent increase may cost a couple hundred bucks a month.

If not, I have roundabout numbers to help illustrate the power of a house-hack that you cannot get traditionally.

I have read J Scotts introduction to estimating ARV and understand you need to look at comps and use the method where you compare similar properties.

Comparable vacation rentals in this area in summer fetch $500+/week. 

Comparable rents are $3,500-$4,000Do I short-term (Airbnb) due to my close proximity to year round destinations like Disneyland, Beaches, SoCal?

@Jaysen Medhurst How do HELOC rates compare to a commercial or conventional rates?

That way no taxes are paid on the home ever.I could just buy it outright with a traditional mortgage.

Are there other loans that compare to the FHA loan that would allow me to buy all 4 units even though they are zoned individual town homes?

Start asking different professionals these questions and compare their solutions - stick with the professionals who have the best "niche" advice.

You might get a little more, since they are side-by-side, but how does this look compared to a 4-plex?