Ideally with a house hack, you want the property to have real cash flow or at least break even when you leave. 

Run the deal two ways: with 20% down and with FHA 3.5% downA lot of people automatically default to 20% down because “that’s what investors do,” but since you’re living in the property, you might be leaving money on the table.With FHA 3.5% down:You keep more cash in the bank (liquidity is king when house hacking).Your payment will be higher, but because you have multiple income streams, your out-of-pocket housing cost could be lower than with 20%.FHA will also let you use rental income to help with qualification.On a ~$340K purchase, 20% down is $68,000.FHA 3.5% down is only $11,900.You could literally keep $56,000+ in your pocket to fund your next property or reserves.3.

any one else I hate getting PM"s then I cant respond as it leaves an impression I am being rude to the person that sent it.. anyone else have issues ?

That’s where you can leave money on the table.If your goal is to build long-term wealth and save on taxes, strategies like BRRRR or small multifamily often give you more control.

Still, uncertainty looms large: the absence of market data leaves policymakers navigating blind, while mixed signals from Fed officials suggest internal debate over the appropriate pace of policy adjustment.Inflation Concerns: Price Stability Takes PriorityInflation seems to be presenting itself as the bigger issue over the other side of the Fed's dual mandate-- employment.

The risk isn’t just  leaving money on the table it’s also having a study that won’t hold up if it’s ever reviewed.For properties of this size, a professional study usually pays for itself in accelerated depreciation.

But dont blame you for leaving PDX so did I .. governance there is out of their mind.  

You need to do an inspection before they leave and after they leave to determine if you can charge them for damages.Problem #2: Who is responsible for rent if 2 move out.Problem #3: Who is responsible for damages if 2 move out?

City assessment is usually low, but if you owe $32k on $90k, that leaves only $58k in equity, which is not much in today's world....I would contact a RE attorney and pay for an hour of their time....see what they say.

It is more of a "take it, or leave it".