My goal is to get my Mortgage payment below $490 with less of my money involved in a DP. 

Once office workers get involved, add 2 weeks min. to the job.

You will become involved in a lawsuit if you proceed.Anyway, since you seemingly like that sort of thing, I'll explain what is going on.

It's essential to consider and appreciate the diversity of housing options available, each serving different needs and lifestyles.

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

This could be a fun time to get your family involved. 

Richmond, VA is a great choice for real estate investors due to its diverse economy, affordable property prices, and rental demand from universities and young professionals.

If you're in a diverse market and opportunities for either single or multifamily properties will support your ROI goals then I say don't exclude either segment in your search.Regarding your comment that a multiplex may be riskier with lots of maintenance & vacancies, this is only true if you let it be true. 

Diversification potential: The region encompasses diverse markets - from revitalizing rust belt cities to booming tech hubs - allowing investors to spread risk across different economic drivers.5.

Why buy the real estate equivalent of a penny stock when you can afford to buy blue chip aristocrat dividend stocks (Class A multifamily properties in good locations with actual strong fundamentals like population growth, a diverse and recession-resistant job market, limited supply and high demand, affordability, and consistent long-term appreciation)?