It really depends on the investor, their comfort level and goals. 

Get out of your comfort zone.

If the only MFH options you're finding are in areas you're not comfortable with, it might be worth focusing on a duplex in a better neighborhood.Saving up for a larger property later is a valid approach too, but keep in mind that real estate tends to appreciate over time, and waiting might make it harder to enter the market later.

Sometimes, stepping out of our comfort zone is necessary to discover new opportunities.

It's comforting to know I don't have to obsess about reviews. 

Does that make you feel comfortable?

@Andy Mirza I agree that there will be vast opportunities for distressed debt in the post-Covid environment, but we won't see those assets probably for another 9 months or more.

Given today’s interest rates, a highly-leveraged arrangement (where you’re putting 3% or 5% down) probably isn’t going to generate any cash flow, so unless you’re comfortable with injecting money into the deal every month, I’d recommend accumulating more cash before you start investing.Generally speaking, a good place to begin is when you have enough for a 20% down payment, closing costs, and 3 to 6 months of reserves.

Get out of your comfort zone.

Trade some comfort for financial stability.Part of attaining financial success is being simultaneously optimistic and paranoid.