MFH vs SFH (apts, townhouses

[Sue Zikria]

Dear Members,

I have 20 years til retirement and was wondering if the best approach for a prosperous retirement would be to start buying MFH and snowball rent into buying more MFH?

Or:

Buy 3 BR townhomes that will appreciate in 20 years with 20% down?

I would be using 15 year fixed mortgages for both approaches above.

Ultimately, I would like to have have comfortable passive monthly income.

Which approach is more lucrative and safer ?

Thank you kindly for your feedback.

BR,

Sue