Yes, I was actually thinking of looking into the SBA loan options.

Absolutely looking at other options (including direct booking) because want to keep learning, improving.

I own a multi-unit mixed unit in Trenton, NJ.

You might want to consider other options, like teaming up with a reliable friend or family member, to navigate this situation.Getting advice from experienced professionals in the real estate industry can offer valuable perspectives and assistance in dealing with legal and ethical issues.

Take a good look at your budget and explore different financing options, such as traditional loans, FHA loans, VA loans, and private financing.

We're looking to begin financing, etc for a multi family that we plan to house hack. 

Investment Info:Large multi-family (5+ units) buy & hold investment.

Now you may be able to find options with less points, but the only way you may be able to avoid those is by going with a DSCR option. 

Who knows.Another option would be to buy a small parcel and slowly build a house with/for him and pull owner permits.Am I nuts?

You should have this lined up and understand the options before you commit yourself to anything Especially if you are using hard money or any other then your own cash.