@Joseph Opoku Yeah you can still get positive cash flow from day 1 in pretty much all areas except the A class neighborhoods.

Just curious. this is how I did all my loans back in the day in CA.

My wife and I bought a single family house in Texas a few years ago.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

In fact, one of my clients last year closed on a house hack near Keystone and turned a 5 bedroom single family home into a 6 bedroom house, and he is living in one room and renting out the 5 other rooms individually between $1,300-$1,400 per month per room because of the lack of affordable housing options up there. 

(I have less than ONE request per tenant per year, some nothing in 5 years)There's lots of was to manage your rentals, but being organized is paramount.

I was sent an offering memo by a broker selling a multi-family building in an area no reasonable person would even consider affordable housing material yet the marketing materials made a point of emphasis to detail how the property would satisfy the need for affordable housing.

In that case, I would have PMI until I refinanced, right?

In the example New Hampshire. 

To what degree do you want to Scale or not, that will help determine the type of investment.With your situation I would skip trying to scale up in housing or MFH.