If you have a slow leak...coverage is less likely especially with aged plumbing.To the original poster, Salil.  

Go Google the average current age of electricians, plumbers, etc.

I had a distinct advantage over my competition who had to do their own courthouse searchs.

I have a job with steady income but I want to stop working by the age of 27.

The northland (as north of the river is often called) is also a burgeoning home to massive data centers including one built by Facebook’s parent Meta and also has charming and distinctive downtowns including North Kansas City and Parkville.

It scares me thinking about trying the Airbnb route but this area has two distinct tourist seasons in the summer and winter so it might be worth it for at least some of the units.

If you can't make a distinction, then you haven't defined your criteria well enough yet.

The current use of the property as a two-family dwelling significantly impacts its value and marketability, which is distinct from single-family homes.The initial appraisal comparing your property to single-family homes is likely an oversight, as multifamily properties are evaluated differently due to factors like rental income potential and investor interest.

Thank you for your thoughtful feedback—it’s clear that I need to clarify the distinction between my approach and the traditional perception of “cheap rent.”

It’s true that while the 10% down payment for a second home sounds appealing, the fact that rate adjustments are now similar makes the distinction less about cost and more about strategy.A few years ago, I helped a couple in San Diego navigate this exact decision.