The debt may not report to your personal credit (unless you are late on or miss payments, then all bets are off)2.

The buyer pool is beyond flakey..Your best bet is a local investor.

The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

I have had wonderful renters each year, relocations to my area who need temporary housing, but this year have not had even a single inquiry (priced the same as previous years).

These options could provide flexibility with your upfront costs and monthly payments.Expand Your Search Radius or Property Type:If you’re set on a single-family home, you might find more affordable options by expanding your search to nearby areas in San Diego County or by considering properties that need a little TLC.Partnerships:Partnering with another investor or family member might be a way to pool resources for a purchase.

I currently own a 1 bed 1 bath single-family house as my primary residence.

I see some larger single family homes in areas that appear to be zoned R2 that, at least from a physical perspective, seem like they could work for this.

There are risks relying on a single OTA; too risky for my liking.   

Flipping works well if you’ve got solid contractor connections, while rentals (like single-family homes) can be great with a BRRRR approach.

Their clear incentive is to bet on falling interest rates between now and debt maturity.A small handful of owners are forced to sell due to a looming balloon payment that a refi won't cover, but you're not going to find one of those by driving the market when any commercial broker can just look up properties on that basis and start making calls.