I don't see a reason why you cannot house hack now, as long as a lender will approve you. However, I do agree with you that if you do not have a solid income vacancies and unexpected repairs can be a major issue. I would make sure you have reserves (or a family member who is willing to act as an emergency lender) first.
@Al Costanzo I would even try for a 2-3 bedroom house hack and sublease the other bedrooms in your side of the Multi-family. I think that the vacancies and repairs could become an issue, but also could be mitigated if you ran your numbers more on the conservative side, so if your expected vacancy for your area is around 7%, I would run the numbers and make sure that your numbers still work when ran at a 10% vacancy!