Quote from @Jaycee Greene: I completely understand and I'm sure my fingers are a lot fatter than mine ;-) If you only borrowed $155k, I assume you did a conventional bank or credit union DSCR loan, is that right? 

The area has seen growth in both the residential and rental markets, making it a potentially lucrative investment.For financing, you can explore options like conventional loans, FHA loans (for owner-occupied properties), or even local programs that might offer lower down payments for investment properties.

Too large to be a normal convention loan, but not big enough to be tasty for an investor that wants some size.

Seasoning for conventional loans is 12 months, but DSCR is really competitive right now and YMMV on seasoning for those.

Scaling up doesn’t always require 20% down—house hacking (FHA or 5% conventional), DSCR loans, seller financing, and the BRRRR method can help you acquire more properties with less cash upfront.

Debt Protection: If you have mortgages or private loans, a life insurance policy can protect your family or business partners by covering outstanding debts in the event of an unexpected passing.4.

If you can beat the ROI you're getting on the SFR, then do it.Otherwise, why can't you buy a 2-4 unit with a 3% down FHA loan?

They provide lines of 0% credit with an 8% fee, hard money and DSCR loans among others. https://www.rammfinancial.com/Thoughts?

Ideally was thinking a duplex, triplex, or quadplex to get started and use an FHA loan but I also have a private lender that can possibly help with up to $200k worth of a down payment.

For financing, there are programs like FHA loans for first-time buyers, and there may be local or state-level programs offering incentives for affordable housing investments.