But consider your lifestyle and what you want to have access to while you are living there and also where the tenant pool is strong and demand is high.

Lifestyle and investment goals involve a lot of thought, planning, and being ready if/when the right opportunity presents itself. 

These kinds of places are Works of Love and a life style - - are you looking to live there and take on a new life, OR are you an investor looking for a return?  

The bottom 75% of America will have to look to the rural areas and keep a low cost lifestyle, paired with a low

Do what works for your lifestyle and energy. 

If you aren't using it personally because you come to Disney alot and like the resort for your lifestyle, its hard to justify the expenses/assessments. 

Quote from @Vivek Kumar: I see inquiry for car loan but there is no actual loan or payments kinda 50/50.....if you live a debt free lifestyle, you wouldnt even want to apply for a car note

So how do we achieve this with our busy life styles???

You know best what your lifestyle is and what you need to support it, so do the math assuming you and your wife will live to be 100 ...so you don't run out of money. 

Whether you should house hack a duplex or a single-family home depends on various factors, including your financial goals, lifestyle preferences, and market conditions.