I've done 2 multifamily 203k's personally, and have helped 100's of others over the last decade do 203ks or homestyle reno loans for their house hacks. 

A whole house is much more work to get rid or the smoke odor.  

Dino - you’ve put yourself in a fantastic position to house hack.

When I was running numbers, ChatGPT suggested that having 6 roommates could be considered a lodging house and require a special license.

Also do I have to pull permits from the city to fix and remodel a house?

Reasons why I shouldn't do this: I have no experience running a residential care facility, I have never done a house hack, I already work a very time intensive day job...do I really have the bandwidth for this?

What’s your house-hack buy box?

You get depreciation on both the house and the ADU.

Worst cat house I did had 250+ live cats and the 25+ dead ones we removed inside during demo.

@Matt Ramirez what do you do for insurance for your Oxford houses?