BUT people are looking at the wrong house.

Is it worth it for me to house hack if my parents allow me to live at home and I have no living expenses?

In today’s market, many investors are indeed leaning more on private money lending, especially for fix-and-flip projects and short-term needs.

Curious, how are you marketing MTR's?

Before you decide to house hack consider consider what your long term goals are. 

Should be standard, no matter the market conditions.

Sometimes it's better to keep one existing wall rather than scraping the house.

I'm aware of all the surface-level risks (post-COVID income decreases, market saturation, amenity requirements, etc.), but it's still a unique market vs. others that are accessible from where I live, in Charlotte, that make it an attractive one to consider.

This kind of parcel is usually more valuable as land than as two rental houses, especially in Aurora where infill redevelopment is active.

For your first deal, a lot of people aim for at least 20–30% margin between total costs and resale price, but it really depends on the market and scope of work.