I've replaced a few over the years, each different for different size properties around Idaho Falls, ID.

Unlike the Bay Area, at least from my experience in Sacramento, i don't think the difference in down-payment from a duplex and tri-plex is that significant.

Every property is different. 

As you begin your REI journey here is one tip I have for you:Use this website as you are trying to narrow down the places you want to invest in. https://www.areavibes.com/Its awesome because it gives you a "total livability score" & you can compare different zip codes & streets to others. 

However, I do rely on my trusted network of local professionals for different parts of the process.

Now, of course, every market is different.

Financing is different from buying existing properties.

Once your primary liability insurance is exhausted, your 3M umbrella would kick in. 

The other route you can look into is purchase+rehab loans if it's going to be a primary, if it's an investment then using hard money, bridge loan, or DSCR.

My colleagues may choose a different position.