@Vincent WeselakIt’s a good idea to get an estimate for your insurance costs upfront since this can vary based on the property type and location, and it’s a key factor in evaluating your cash flow. 

I always recommend starting with a prequalification letter to get a solid view of your purchasing power before heading out into the real estate market.

I'd have to see your overall layouts but I think you are on the right track. we build 3 story stacked triplexes and it's very efficient so don't be afraid to go up either. anytime you build more than 1 structure costs are much higher but if its just to offset mortgage and you want to be separate then I understand. 

Not to mention the general PHX market has become expensive and people have already been looking for cost efficient alternatives in the northwest and southeast corners of the valley. 

Note that Sec8 comes with added costs & issues due to bureaucracy and state of the HUD departments in the area.

Granted there is a cost in hiring an agent, Having someone analyze each deal with localized knowledge is worth its weight in gold.

Knowledge is power. 

What they will offer you is an appliance package, or closing cost help, or a low fixed rate loan. 

Unfortunately, you have no power over the tenant until you own the property.

Having a real estate license, I would credit the commission payed out I would receive for being my own agent towards closing costs for the new property.