Would that be a smart move? 

Smart money has an agenda...it wants to replicate.

Living on one side of the duplex is a smart move.

I can't tell if I'm being overly cautious or smart.

Transforming SFHs into multi-units and targeting 2-4 units for value-add potential is a smart way to build your portfolio, especially if your goal is to qualify for larger loans down the line.If you're aiming to hit the 5-unit mark and unlock better financing options, here's something to consider:Leveraging BRRRR Strategy: You’re already thinking about the refi route, which is key.

Also, my current "room mate" has expressed her interest in renting my primary residence entirely so I think that's a smart option. 

It's amazing to see the next generation take an interest in building wealth and understanding the power of smart investments from such a young age.

Very smart!

In your case, staying in Houston or exploring surrounding areas could be smart moves, but don't overlook other regions where new construction might be booming.Consider a Mix of Strategies:While your primary strategy is buy and hold, it could be worth looking into markets or property types that might give you better cash flow opportunities.

It's smart if you plan to hold the debt and can generate cashflow, like any other loan.