My plan right now is to stay at home for a year after college and save as close to 100% of my salary as I can (parents are happy to cover a lot of my expenses).

Also look at the type of electrical wiring as that can be an expensive repair if it needs to be updated.

I would like to add to that I've just been busy with other stuff.I keep track of income / expenses for my 3 income producing properties in a spreadsheet.I also just bought a new home last year and still trying to sell the old home.

Have you run all your numbers, with gross rents for 8 months a year, minus all expenses, minus a big property management fee of 30% (and they should never charge for owner blocked time unless you are asking for cleaning, services,etc.)

There was an overwhelming odor of cats.

is it more expensive being 4 tenants?

You don't deduct income, you deduct expenses from your income.Generally speaking, losses experienced as part of passive investing (like operating long term residential rentals) can only be deducted from passive income.

I have low expenses.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23DSCR lenders generally let you vest either individually or as an LLC.

Split will be cheaper and central will be more expensive but besides easy comparison, ask about maintenance on each.