Unfortunately there is NO easy answer to your question and your situation isn't much different than most of the people in the world today.  

I was just pre-approved for financing and am beginning the journey by analyzing properties and setting up some visits today@Jeremy Pace@Jesse Peña@Chris Pasternak@Melissa Gittens@Gary Swank@Jerry Padilla@Helen Bollinger, by house hacking I was indeed referring to living in one unit and renting the other.

I recently uploaded a "Hard Money Lender Profile Sheet" today which you can use to assist in asking the right questions when "interviewing" a HML.

Something that rented for $1200 6 months ago does me no good today.

I looked at a 2/2 condo today that was in decent conidition for 89,900 (looked like a buy and flip type deal) and they accepted an offer yesterday. tsk tsk tsk. 

The best time to acquire a property is when you're ready to commit, especially if you're the buy and hold investor. 5-10 years from now it would've mattered much if you overpaid or underpaid today.

Today electrical standards are far superior to 1937.  

Account Closed, yes, Refinancing is "based on the house's market value (today), vs. what you owe the bank"!

Pressure in the past that doesn't exist today?

I have a question for all the BP experts.I am fully aware (and abide by) all owner occupant requirements when dealing with any type of government owned/marketed homes (HUD, Homepath, etc).However - I ran across a new listing today that is simply bank owned (national lender) in which they are forcing a 14-day owner occupant only period.