USDA (not all towns), VA (Veterans only - with a DD214), NACA (has some hurdles to jump through.Alternatively, we could negotiate an option, which lets you tie the property up while you organize your finances.There's some due diligence to go through - price, condition and location.That said, you might be able to find the right home faster than you think. 

If town houses are common in your area, look at comparable rents and see what that looks like. 

They needed a blue dye test, but didn't keep me updated, until I finally asked and they said they had filed it with the wrong department or town. 

This is only because most triplexes or quadplexes are not in the nicer parts of town.

they live in very good neighborhoods , built in pools , or they have a beach house and or a 45 ft sport fisherman for ocean fishing .  

When I bought the property for $115k back in 2014 I knew the neighborhood would change over time and lord has it.  2 houses around me were torn down and new builds on the same sqft and style have been built at the tune $290k each, recently sold so the data is solid. 

If it all things were equal, I'd purchase a purpose-built multi-family vs. a converted home. 

Just came back from there yesterday and had an amazing trip meeting people and driving around the town.

I currently have one SFH as a rental in a small Kansas town and am about to acquire another .

I currently have one SFH as a rental in a small Kansas town and am about to acquire another .