Limiting issues and liability is the goal.

I handle St Augustine/Ponte Vedra/Palm Coast but can certainly help with Jacksonville and based on your goals there may be other opportunities to explore.To cover off insurance from previous comments, the market has changed and it is competitive with new carriers entering the market. 

Creative Financing for Your First Investment PropertyIf your goal is to acquire your first investment property, consider these options:House Hacking: Purchase a 2-4 unit property with a low down payment (e.g., FHA at 3.5% or conventional at 5%).

You will need to look at your goals (and if you haven’t laid out a plan for what you want to accomplish in the next 10 years you should do so).

I think it depends on your personal situation and your goals.

To add to Chris's advice - Consider your long term goals.

My big goal?

It sounds like a more personal decision based on your goals.

Build your home criteria based on investment goals, risk profile, returns desired, holding timeline.

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