I'm from the great state of NJ but moved to PA for cost of living decrease and plan to invest where i live now.

It does decrease my monthly mortgage expense, but the houses that can be house hacked are often more expensive.I'd appreciate your insights and experiences with house hacking. what number did it make sense for you to consider paying more for a house to house hack.

Anyone who is having that occur needs to get out of the landlording business immediately.I would much rather do a better job screening tenants and decrease the chance of economic vacancy way below the annual rate of 8% that this would offset.

It also decreases your overall payment on the mortgage since you have another unit(s) helping with the monthly PITI payment.You can also take out a Heloc or Heloan that will keep that first rate of 2.25% in place.

Even though you already have a W2, you might want to explore ways to increase your income and/or decrease expenditure in order to expedite the down payment savings.

Given rising debt costs, decreasing loan proceeds, and unpredictable demand, upcoming loan maturities will indeed test the market's resilience.

Which way to share supporting documents (Google drive, email, dropbox, etc)Types of loans available (terms, maturity, etc)Interest ratePoints for various ratesDo you offer a floating lock (adjustment if rates decrease)Closing costs (brokers fee?

How much of a decrease should I ask for?

Beg and borrow before you touch your 401kI am not sure timing matters too much.in 2005-2009, the overall market tanked, meaning that investments inside and outside of a 401K would have tanked.Many people saw their 401k balances decrease significantly from 2005 and the few years after.Also starting your own business, that is a risk that everyone faces when starting your own business.Business can go up 0% or to 1000%. 

On top of that, our rent drastically decreased so that helped.