You likely will max out before 10 though as the average person with average income will have difficulty qualifying after a few loans because of things like the DTI (debt to income ratios).

Initially, this might seem like a great idea as you can maximize rental income by renting out bedrooms kind of like college student rentals.

The ability to turn single-family lots into duplexes or even split lots for separate units can significantly boost rental income and property value.

This will allow you separate business income and expenses from personal income and expenses.Since you plan to house hack your bookkeeping and tax return preparation will be more complicated because a percentage of your home expenses will be personal deductions and some will be business deductions.

Here's a quick breakdown:Unforeseen Property Issues: Hidden damage, bad tenants, major repairs – these can eat into profits.Vacancy Woes: Empty units mean lost income, impacting cash flow.Market Downturns: Property values can drop, affecting your investment's performance. 

If the rental income doesn’t sufficiently cover the debt payments by their standards, they’ll limit the loan amount, even if the property is worth more.You could try a few alternatives:•Look for lenders who specialize in commercial real estate and have more flexible DSCR requirements.

From experience, switching to a conventional loan can help you remove PMI once you reach 20% equity, while DSCR loans are ideal if you’re focused on rental income.

Its interest income - unless you wanted to run it through a C corp but then you pay corp tax first.Other option is to use a deferred retirement account. 

I love your goal to build up enough cash flow to replace your income!

If you are still willing to stay in the same unit as your brother you can get a 2-4 unit building, rent out the other units and still rent a bedroom within your unit to your brother for extra income.