Consulting with a financial advisor or tax professional can help navigate these complexities.It might be worth considering how real estate investments could align with your retirement goals, especially in thriving markets like Phoenix or Austin.Just my two cents based on experiences with clients like Jim.

@Ben StanleyIf you have to use 401k funds for a down payment, then you are not financially ready to buy a house. 

You won’t be surprised that many states consider that pretty penny a critical component when calculating these payments.As with any financial analysis, it’s essential to understand how to break down the numbers, especially regarding child support.

You can speak to the lenders you are talking with about their debt to income etc. if you are getting conventional loan they will take that into consideration, if you go with a DSCR loan they look more at the metrics and financials of the property.

I aim to create a steady stream of passive income and achieve long-term financial stability.

We currently are building a SF with the financial help of a family member.

While I don’t know your personal financial situation, I can tell you that a certain amount of capital is necessary even if one were to pull off an IMPROBABLE very highly leveraged purchase.  

It depends on your financial strength, the quality of the property, how many properties you own, etc.I like to start with one significant expense and three months of vacancy.

All 16 units would have to remain on same lot/deed forever (so in terms of value, I can’t capitalize on the duplexes being sold to conventional non commercial buyer) think financially it would be nice to phase it out one duplex at a time.

Wait for a stronger financial picture and speak with lenders to get pre-approved for higher loan amounts or favorable interest rates.