Then your best bet are probably community banks which have more flexibility (albeit worse terms) than larger banks and also worth looking into are DSCR lenders.

So, generally speaking husband/wife-owned LLC in a non-Community property state, must file a partnership return (ie, the LLC is not considered a single member LLC disregarded entity).

We live in Andover but have one single family home in Park City, 2 in Newton.  

The 4-plex may be viable if zoning allows it but building another single family is probably not the move.

I own a multi-family house that was converted from a single family, therefore, there is only one gas meter.

I like both of your ideas so I would look for the single where an ADU is permitted or one with a dump ADU to renovate (that's best) and balance that against the purchase of a 2-4 unit.

Purchase price: $240,000 Cash invested: $70,000 3 Bedroom 2 bath Single Family on .75 acres in Pensacola Florida. https://www.airbnb.com/rooms/1171011382027219420?

House hacking seems like the best strategy for me.My goal is to purchase a single-family home in Maryland, D.C, (from lurking I've heard D.C was terrible for investing) or Virginia with multiple rooms where I'm making monthly payments similar to what I pay in rent and other charges ($2000-$2500).

Hey Joanne, you’re definitely onto something with room rentals.. it can be an excellent strategy for offsetting a hefty mortgage and, in some cases, bringing in higher total rent than a single lease.

Quote from @Dennis Bragg: Hey Josh, thanks for jumping in with such a bold approach.. it’s not every day you see someone your age pushing for a luxury twist on a single family rental.