@Nicholas Olson- thanks  1)  fyi - there are conventional loan programs that allow you to put 5% down on a 4 unit if you plan to live in it - consider this as you can avoid the  fha upfront mtg ins premium and also  avoid the permanent FHA monthly mtg ins   2) avoid  renting the unit you state you will be residing in as this sounds like a problem waiting to occur 

You'll need to pay a greater premium in those neighborhoods with the tight inventory most of the time.

One strategy is to look for a premium town that does not have large amounts of rental houses.

To succeed you have to stand out, and when guests are paying premiums to stay they deserve what they pay for. 

In my market, single family's sell for premiums to two families.  

Someone recently made a wonderful post about Medicare Premiums and how they can change if you invest in real estate at an older age.

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You'll pay a slight premium, but you'll get a better home than just winging it.

Good GCs are a premium around Central IN for sure.....Its hard out here

Rates will come down faster than MBA/NAR are currently forecasting. 10Y treasuries are comming down, but also the risk-premium spread to 30Y fixed will normalize as the perceived risk of a housing market crash is shrinking.