You said that you are applying for an FHA loan so it sounds as though you'd be living in one unit. 

Living in one unit and renting out the others allows you to deduct 75% of expenses like mortgage interest, property taxes, insurance, and shared repairs as rental expenses, while the remaining 25% applies to personal use.

Limited Housing InventoryThe number of homes for sale in Buffalo is significantly below pre-pandemic levels, with a reported 46.1% decrease compared to 2018–2019 averages.

I have a 2-person unit with a glass top dining table and it has worked well.

Our auto coverage is now at an increased level so if this happened today it likely would not result in any involvement of the umbrella policy. 

- Are you only looking for 6-unit apartment buildings or another that is 5+ units?

A manager will roughly cost $100-$150 a month to take over a unit (it could be more or less in your market) and manage the units.

We've thought about trying to sell off each unit.

Quote from @Holly Radice: I am looking into purchasing a 4 unit in Ohio as my first property.

, whether there's a high water table that encroaches on any underground utilities or foundations (and does that water table have significant seasonal water level variations), encroachments by roads or other improvements on your property, limitations imposed by easements or rights of way, etc.