We have limited space as it’s a couple effeciency apartments mixed with other one beds and a potential 2 bed.

I want to make this a full-time career while I attend the University of Texas at Arlington in my purse of a finance degree.

I lowered my credit requirements after the first couple of years and began to feel like credit may be why they rent houses for more than mortgage payments would be.

The rest of the money that is budgeted is going into the reserve for CapEx, repairs, vacancy's for couple of years to build the reserve.My Conclusion:As long as the majority of my living expenses are paid such as: P&I, taxes, water/sewage, able to save whatever is left over for any repairs and/or CapEx, I should assume that I am House HACKING appropriately for the circumstance?

I was in town a couple weeks ago when the St.

Enter: other local banks that offer 90% and even 100% (at a couple point higher rate of course) LTV - possibilities would open up considerably, significant difference in available funding. 

I found a couple foreclosures and a young hungry new real estate agent that was willing to share his time with me.  

I'm renting out a couple rooms for the winter season to a couple friends, while I figure out what I want to do with it.

I have not attended any seminars or felt a need to, because there is so much information out here for free (or low very cost) in biggerpockets, various podcast, and numerous great books! 

There was a thread about this just a couple of days ago (though not specifically for TN).