Don't buy a 3-unit or 4-unit if it is not in a good area with good school districts.

There tends to be less competition from every day home owners who need to move in the spring/summer before the new school year starts and thus the possibility of having more leverage on sellers.

I'm considering SFH or Condo or townhouse to start with targeting local college/schools.

I went to school in Santa Barbara and now live and invest just over the hill from Sacramento in Reno, NV. 

But I am old school its why I only use Commercial banks I want to pick up the phone and talk to my banker.

this is all i needed to see:Business coach Kris Krohn blasted for pulling kids from public school over fat teacher (nypost.com) Ya know, as a holistic health provider and conscientious parent, I'd probably do the same if my child's teacher wasn't a good fit. 

But due to spending so long in grad school and having one income and a much lower salary for most of my career, I feel behind on retirement.

The Taxable Value is uncapped and equated to the SEV upon a sale or other transfer of property ownership, with limited exceptions.Homestead versus Non-Homestead Millage RatesCounties & cities in Michigan are allowed to set their own millage rates, with one restriction – a primary residence (Homestead) is exempt from up to 18 mills of school taxes on their Homestead property.

We target young families with double income and kids that want to be in a better school district, which automatically puts us into suburbs outside of Milwaukee and MPS. 

Think the CNA at your local hospital or your kids pre-school teacher.