What other programs are we using? 

If you start with a duplex/ multifamily or house with a walk out basement, ADU, granny flat/ in-law suite type situation that functions like a multifamily, you can have a very civilized lifestyle and still get all the advantages of house hacking (lower down payment than investment property loan, lower interest than investment property loan, first time home buyer programs, offsetting living expenses by having housemates help pay mortgage, principle pay down, tax benefits, forcing appreciation through value add “live-in flip”, and avoiding paying rent which is 100% interest and just wasting money as opposed to investing it).  

Same for 2-years of job/income stability.Tenant Default: 10-20% probability of eviction or early lease termination.Section 8: Class C rents usually meet program requirements, proper screening still recommended.Vacancies: 10-20%, depending on market conditions and tenant screening.Cashflow vs Appreciation: Should cashflow immediately, at the lower end of relative rent & value appreciation.Class D Properties:Tenant Pool: Majority of FICO scores under 560, little to no good tradelines, lots of collections & chargeoffs, but should have no convictions/evictions in last 12 months.

Indiana went from one of the weakest programs in Division I college football to a legitimate powerhouse in just two seasons — including beating last year’s national champion.Now they’re one of the final four teams left in the College Football Playoff, getting ready to take on Coach Will Stein’s Oregon offense.

Further, any knowledge needed can be obtained by purchase of a “mentorship” program. 20 plus years ago, I had an investor in my mortgage funds that told me he no longer needed to invest in my fund, he would originate and fund loans himself and earn what had been our fee (points).  

We have access to dozens if not scores of lenders, all with different programs for different scenarios to help clients achieve their goals. 

It's more difficult to program, the interface isn't as good as the Kwikset and the batteries drain much faster.

The ai does all the designing, because it's programed as an expert designer. ai kicks out completed pics, can do in an either or design style again, etc etc. 

That will drive loan program options along with the type of loan and the condition of the property.

Investors struggle not because the program is complex, but because they treat recerts, rent increases, and inspections as one-off events instead of a system.