Live in one unit - It's a great strategy when using a bank for financing as the down payment and interest rates are more favorable to owner occupants.  

Thanks, Dan Audino Have you considered a live and flip?

use 25% expense for your #3

Cincinnati is one of my favorite cities to live in Ohio.

Ratios like 0.7% or 0.8% can still work, but it depends on your market and expenses.

Vacancy is VERY expensive and can destroy returns, especially if you have to reduce rents anyways. 

I am from California, but lived in Peachtree City, Georgia last year (renting), and currently live in Germany as an Au Pair.

., with the rapid rise of STRs, you will find that many insurers offer STR policies.We use Proper but it is very expensive but very comprehensive.

From the architectural wonders of Downtown to the tranquil, family-friendly communities on the outskirts, there’s always something new to explore and learn.The city’s constant evolution means different investment opportunities are always surfacing, whether it's the push for sustainable living or a growing emphasis on smart home technology.

With that being said, do yourself a favor and do the research yourself on zoning, valuation and ACTUAL rent before talking to STR specialists who make a living on selling these =) Just my 2 cents...