Tough to find but 3% conventional mortgages exist for owner occupied multi family properties, they are what I recommend but this varies for every situation. I love 15 minutes because it was never less and always more, it's a goal that you can easily achieve and turns into momentum. When renovating our house hack I would commit to 15 minutes of work everyday, some days simply sweeping the floor would turn into tackling a large project. Make sure to set time aside for work, family, and renovating. On a weekly basis my wife and I are looking back remembering all we did during our time house hacking.