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.

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

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

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.

Multifamily: Advantages, Tradeoffs, and How to Choose the Right Asset for Your StrategyOne of the most important decisions new and intermediate investors face is whether to focus on single-family homes (SFHs) or step into small multifamily investments—duplexes, triplexes, and fourplexes.

I self-manage four single family homes.