You'll still have the same debt.

My goal is to buy a duplex in the Austin area or a nearby city and house hack — live in one unit and rent out the other.Ideally, I’d like to save up 20% down and use a 15-year loan, since I really dislike debt.

What's your other debt looking like?

my point was, that won't work as you won't generate enough cash flow to buy without debt for decades. 

@Isaiah PrinceAttacking debt: Is your debt keeping you from qualifying for a mortgage?

The “FHA 4-unit → cash homes → debt-free” route hits a nice balance between growth and risk reduction.A few things to watch out for though:FHA Rules: You’ll need to live in one of the units for at least 12 months to satisfy the owner-occupancy requirement.

Hey everyone,I’ve been looking into alternative financing models that are structured around profit-sharing instead of interest — similar to partnership or markup-based loans.Has anyone here tried this type of interest-free or profit-based financing for a property purchase or investment?

I’m based in Coastal South Florida where cap rates and insurance costs have gotten tough — plus hurricane risk doesn’t help.

Quote from @Mark Newton: Hi everyone, my name is Mark and I’m based in Bentonville, Arkansas.

Hey Matthew, I’m Jorge Vazquez, investor and broker based in Tampa.