Or higher interest rates which result in less income would also decrease demand for the property.)One other note is that while buyers will value 2-4 unit properties based on their income potential, from the bank's perspective 2-4 unit properties still have to be appraised using the sold comparables, while 5+ unit properties are valued using their income.

The demand for rental properties in this area will not decrease, and will more than likely continue to grow.

Will that increase or decrease the amount I need to set aside for those two?

(This option would only work if you’re very close because a few thousand amortized over 20-30 years barely decreases the loan payment.)

If you choose "freedom", then you should stop every month or so and ask yourself, "Is what I'm doing day in and day out increasing or decreasing my freedom? 

My prediction is that prices will stagnate and slightly decrease if the economy opens up by May 15th.

Remember a 3% decrease in expenses does not equate to 3% increase in property value.

Realtor.com actually projected the value of our home to continually decrease at the rate of 2% per year!

Some questions you might want to ask yourself are:1) Are you happy where you currently live and are the multi family properties you’re considering in a better or worse location.2) By how much will your housing expense increase or decrease if you HH.

@Dustin Sanders as long as 75% of the gross rent is $1 more than your PITI payment your DTI should be decreasing not increasing, ie profitable properties make your DTI better.