If not, keep an eye out for a single-family with a layout that’s easy to convert into two units.

I have been back and forth between targeting a 350k or lower single family home and house hacking it as the payment is extremely affordable for me even if I can not find great renters/roomates quickly.

You’re moving from single-family to multifamily investing, consider DSCR or commercial loans that qualify based on rental income instead of personal income.

I don't think I'll be moved to the single fee plan on Dec. 1st. 

When you lend to a single real estate investor, your entire IRA is tied to one project.

Those can be great sources for off market single-family homes.

@Sara JoeSince you’re already active in OH, focusing on off-market single-family and small multifamily deals in these regions can be a strong strategy, ,these markets often offer undervalued, cash-flowing opportunities that are easier to manage than high-cost coastal areas, ,happy to connect and exchange insights, run numbers together, and explore potential opportunities to collaborate

What loans/programs to look at (this is key for single moms + first-time buyers)Because you’ll live in one unit, you have access to the best financing available:• FHA loan (3.5% down)Allows you to buy up to a 4-unit property and skip the self-sufficiency test if you buy a duplex or single-family.

A single family has a wider audience (investor or home buyer) but 2-4 units still move.

If you’re not systemized, this expense balloons.When you add it up, a single turnover can quietly cost $4,000 to $7,000.Most landlords don’t even realize they burned a year of “cash flow” replacing a tenant.Here’s how we eliminate turnover across our Section 8 portfolio:1.