The 25k would do fine in a stock index that suits your risk tolerance.

Also, by utilizing the field in the MLS for garage apartment or mother in law suite will help pick up in the searches online too.

I do things a little differently and I do not expect others to follow suit, though they may if they wish to.I find properties that are not on the MLS.

They have almost zero value when they go dark.Example if I bought some run down DG with high cap rate all cash for 1.2 million but came with amazing dirt in strong location then I would just demo the building if they left and raise rent with another tenant with ground lease, build to suit, etc.DG typically have flat rent.

No grey LVP flooring or walls.

A competent CPA can help select the depreciation methodology that best suits your needs.FWIW, REPS requirement is 750 hours

But even if multifamily options are limited, a single-family home with a rentable guest suite, basement, or garage apartment can still work.Finding a VA-friendly lender who understands house hacking is key.

CO lakes need wet suits. 

This property had a foreclosure suit filed during Covid, but a forbearance agreement was ultimately reached.  

I do not accept cash app or zelle as those seem better suited for personal transactions than for something like rent payments.