If you have not already used it, you can do an FHA loan with 3.5% down and buy up to 4 units.

@Derek Nemec- can you qualify for a " regular" loan or  are you after a DSCR  type loan ? 

On the eve of closing (last night), the escrow assistant informed us that we need to bring additional funds to closing due to two affidavits that need to be recorded in the loan package, for which the recording fees were not collected earlier.

You are way way ahead of 99% of the population, and well on your way to setting yourself up nicely for financial security/independence. 

House hacking with FHA loans right now in most markets is not a great idea.

If the sign out front offers loans or HELOCs, that’s one you call. 

@Gilberto Ramirez III a fix and flip loan (12 month interest only loan) to purchase and rehab the property.

Depending on your lease, this is also grounds for keeping their security deposit so use that as needed. 

Would you be obtaining a DSCR loan? 

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