25% down and stay with parents or 3.5% down and move out?

[Lewys Jones]

I will be selling my SFH in March after having rented it out for one year. Expected to be left with $65k after CGT and closing costs.

My dilemma is should I house hack with 3.5% down through a triplex or quadplex or put 25% down on an investment property loan and rent all units out and stay with my parents for another year?

[Mary K.]

Congrats on selling the SFH!

I personally would do 3.5% down, live in the multifamily property, and keep the rest in an emergency fund. After a year, you could move in with your parents or buy another property with 3.5% down.