how Mich of a down payment to live off one income

[Brad Pietrzak]

hey guys me and my sweetheart have finally saved up around 44k now the market is hot so we are willing to be pretty patient here. between us we are saving about 3500 a month we have no kids that's partially why. Now I make the larger bit of income here and she makes about 35k annual. We want to start our first duplex house hack in a c class area but put a down payment large enough so that we can live and eventually have a family on just her income The duplexes range from 130k to 150 anything more and I think the owners want to much for the rents. The good about the area is that the one percent rule is pretty easy to obtain. The bad is property taxes are about 2 percent The rent from the duplex just one unit could probably gross us 900. If we could I would like to have the margages be low enough so we don't have to rely on the rent and it can just take care of it's own unit and anything left over I'll invest. to keep the momentum up we are ok staying here untill we have enough to put a fat down payment. We were thinking if the morgage taxes and insurance were about 500 to 600 a month we could comftorably live off her income. but I am not sure it's not exactly the sane as rent there are more expenses to owning a home