Originally posted by @Michael Haas:@Adrian Chu we've been extremely curious about that strategy - essentially "Condo-izing" a single family lot.Was this a hold for you, or did you sell one or both of the units?

Meeting that 2 in 5 of the last requirement allows a single owner to shield $250k of appreciation and a married couple to shield $500k.Unless you predict a lot of income from the MTR or you feel that there is a lot of appreciation incoming over the next three years (minus time get the property sold), you may want to consider collecting your $100k (passing GO) and redeploying that money to whatever you feel is its best use. 

If you can buy a duplex, it will cost less than buying two single family homes in the long run. 

All you need is a single place to track tenant information, payment history, maintenance, and a few other things.

Are you Single/Married2.

There's only 32 available because I selected 3 bedroom single family only in the Cleveland area.

As much as I hate annuities, you might speak with an annuity agent about the employer awarding a bonus in the form of a single premium deferred annuity invested in index funds and that you do not have the right to access until a date certain and then a full payout over time.

In the case of a successful tort against you, you might regret commingling funds in a single bank account, but I can't see how keeping them consistently separated would ever burn you, even if it is a bit less convenient.  

Quote from @Matt Huber: Quote from @Adam Michael Andrews: Quote from @Matt Huber: In 2021 I purchased a couple of single-family rentals.

Purchase price: $500,000 Cash invested: $100,000 Buy and hold multi-family property initially house-hacked prior to purchasing the single family in the burbs.