Loan limits can increase by a factor of 3-5 in many of these cases, but this comes with a major tradeoff of 3-5 percent "compensating balances" (read more collateral via covenants or less money loaned in effect)Item 2 is desirable from the perspective of reducing brain damage and consolidating relationships.  

For the first time in my life, I have a strong desire to hold onto some properties, and start building  a portfolio. 

I think the desirability of duplexes, either as investments or from a renter's perspective, is something that is pretty location-specific.  

These will not be in the most desirable areas and they will not be in the best condition.

Houston is a big place, is there an area that is more desirable? 

I desire cities that are starting to boom with jobs and population growths that are also landlord friendly.Any recommendations would be much appreciated.

This leaves you with two options:1) Try to qualify solely on personal income2) Pay all cash, then get a cash out refinance once you have tenantsThe thing is that in my area (Southern California), investment property for SFH approaches $500,000+ in the most desirable areas, and duplexes/fourplexes are $700,000+.

Population growth, jobs, desirable product and desirable location.

Buying one rental property a year is more than doable.Just make certain you are buying them in desirable areas which will attract responsible tenants.

hey ror,If all you're looking for is to cover some costs and mostly use it for personal use, you shouldn't have a problem doing that as long as its in a desireable area, which is anywhere within walking distance of the beach.