Thanks for any help’ Yes we're licensed there and FHA guides in one state apply to all states unless a state has a specific law that supercedes the FHA lending guideline.FHA is always 3.5% down minimum (in some cases less because you're using a DPA or down payment assistance program or 2nd lender to put down over all a lower down payment than 3.5%, Aka for instance 3.5% DPA + 96.5% FHA = 100% financing but just dont kid yourself this is fully 100% leverage and to be used with caution and carefully).In the case of 2-4 unit FHA is still 3.5% down payment @Matthew Kwan @Carlos ValenciaThere are rules regarding FHA such as:- primary residence - you must occupy one of the 2-4 unit property as your primary over 50% of the year and the underwriter needs to believe you will remain and have the ability to live in there, any deviation from this and you'll get a whole laundry list of conditions asking you to prove why you should be believed to be living or will live there (if this arises dont be surprised, it just means the UW doesnt believe you).- SS rule - self sufficiency rule - gross rents of all potential units 2-4  X gross rents at 75% needs to meet 1:1 or 100% of the monthly PITIA payment or greater.

But, don't feel like you have to live up to 5-10 properties in 2025.

I have a live-in (22 year old son) rehab (pt Loma) starting Dec 1 if you desire to see the pre-rehab condition reach out to me a couple days before Dec 1.  

Hot marketsI like Colum bus due to the amount of growth is it receiving, but I am biased since I live there. 

I lived in Sound End for a bit; beautiful, walkable area with plently to do 

I live in California and own 12-doors in Detroit.

It also sets a positive tone and builds trust with new tenants, showing them that their living environment is taken seriously and maintained with care.

I live in North Carolina by way of New Jersey.

No matter where you live, there is likely to be investing options within an hour.

What I've seen work best is commercial, STR, MTR and co-living.