THEN, I plan to purchase the second home using a FHA or conventional loan (3%-5% down), for which I will likely pay the monthly cost out-of-pocket, maybe with some rental income support if it is a duplex.My concern is, I do not want to spend my savings or weigh down my debt-to-income ratio so much so that I cannot qualify for and pay the down payment and closing for the lending on the second home.Questions: - With the first home being multi-family, 75% of the rental income (or potential rental income initially) will relatively either maintain or boost my debt-to-income ratio from lenders' perspectives, right? 

When they sign the lease, it is one of the five key points highlighted on the first page that they have to initial.

Remember there are 4 ways you are getting ahead by owning a small multifamily property (houeshacking initially).1.  

You picked a great community to join.. have you checked out local comps to gauge the market vibe yet?

If the permanent financing will allow you to recover most of your initial investment and the fair market rent covers the principal, interest taxes, and insurance with cash left over, you have a BRRRR.

A good PM can assist with initial analysis and either help you buy or knows someone who can help you buy.

Firstly I apologize that I do not have any market insights data specifically, but Houston has been a rough market as valuations have pulled back.

Initial Equity: The discount you achieve when buying below market value.

I've tried stock market and never really made that much.

Europe is not a good market for investing.