That way, you could break even, or perhaps generate cash flow.

I’ve joined this community to connect, learn, and grow alongside like-minded individuals.

I have a duplex that I originally intended to have serviced by individual heatings systems, but ended up installing a single system that's large enough to heat the whole building.

If duties were merely split between operations, capital raising and deal sourcing based on individuals strength and to spread responsibilities, I would be more understanding but that's not the new age model.

However, if I earn too much “earned income,” I risk losing these essential benefits.That’s why I’m exploring real estate and the stock market, as these generate “unearned income” and allow me to maintain my benefits while building financial security.

It also gives you the opportunity to be creative on how you want to vest/take Title (LLC vs Individual name). 

.: Quote from @Scott Mac: [1]  A down vote button seems like it will lead to Cliques forming in the background, with people getting together to downvote certain individuals based on like or dislike of the individual.

The choice depends on individual financial goals and 5-10-year goals.

You may run into issues trying to take a HELOC out on an investment property, and even if you can I doubt you'd want to use it for a down payment for a primary because the rates are much higher.What kind of cash flow would you be generating from your multi once you move out?

I would forget about growing the portfolio and generational wealth until your husband finds a job and you reduce your credit card debt.Credit card debt has interest rates above 20%, there is a strong case that your rentals are not generating a 20% return.