I believe I can do this with the upstairs rented out at $1,650 a month and $1,750 for the main floor unit. 3bed 2bath down and 3bed 1bath up.

My question is are you putting all of your money in the stock market, or are you still doing some level of real estate investing?

For instance, targeting multifamily properties (2–4 units) is a great way to grow your portfolio.

Her husband is also a GC who can help build additional units as needed if you get something that can fit an ADU.

Birmingham’s market is diverse, with various areas offering different levels of potential and risk, so getting boots on the ground can be one of the best investments you make in terms of time and money.I’d be happy to connect and share more about what I’ve learned from my experience managing properties in this market. 

Quote from @Brendan Doherty': I’ve read in books of people getting past having to live in the property they own so they can rent all units year one of ownership(living on the property with an rv).

Having a mortgage and your normal STR insurance is already 2 levels of protection. 

It's basically a legal 2-unit that can cashflow $900/month.

Investment Info:Small multi-family (2-4 units) other investment in Martins Ferry.

This is how I see it:Single-Family Homes:Pros:Larger pool of potential tenants (families).Simpler management (one tenant, one lease).Often easier to finance.May appreciate faster in some markets.Cons:Only one income stream.Vacancy hits harder financially.Duplexes:Pros:Two potential income streams.Live in one unit and rent the other (house hacking!)