@Garrett TjoeMy understanding is that you do not need separate utilities if the ADU is added to a lot with an existing Single Family Residence (SFR).

Lot's of inaccurate responses, apparantly due to responders not properly understanding the situation!

From the agent's side, you have to understand that every Tom, Fred, and Sally says they will buy ten properties over ten years and need to find a partner.

My realtor mentionedan umbrella policy so I’m trying to understand why or when that type of policy makes sense  

Say you find a duplex in a solid neighborhood for $150K. 

If I'm understanding correctly, we could keep our 1st duplex with the FHA loan (until rates lower then we'll refinance) and then still use an FHA loan for our 2nd duplex since we have lived there for over a year?

These all seem like promising areas, but I'd love some insights from experienced investors on specific zip codes within these areas that might be particularly strong for rentals.Hey Rajesh, those are all really solid areas, and myself and my investor clients have bought in all of those locations.

I would recommend you find an attorney that truly understands the tax sale process and laws surrounding them and can do quiet title work if/when needed. 

If I understand you correct, you may be able to structure it as a primary residence. 

I want to understand my possible options to get started with real estate. 1) Should I buy my first house first?