FYI - the plan would be to move in at least one renter regardless to supplement my monthly payment. 

See if they can pay it, if they can't you need to decide if long term you want to supplement a tenant. 

Overall, my objective is to supplement my income so when I retire my family isn't hit with a huge financial impact and I can focus more on this as a career.

If you want a few rental houses to supplement retirement much more doable. 

I rather put 20% down and use remaining 5% cash to supplement my next property.

I think single family is better suited for people who want to supplement retirement or are looking to have tenants pay off debt over the long term!

Same here, IT person who now wants to invest in a few properties the next few years to supplement my income and get out of this rat race

So for now I'll likely just be knocking out 1 or 2 a year to help supplement my income and fast-track the passive income!

Looking to supplement income. 

I live in DC and my primary residence is in an A+ neighborhood, so the cash flow will not be as great once I move out and start renting it, but i will benefit from long term appreciation, which I view as something to cash out for say a child's college education fund, or supplementing retirement.