And most boros around Pittsburgh don't even have an option to pull for that.

There are more options than multifamily - she could convert her garage into an ADU for example.

Alternatively, a lot of investors have found success in self-managing their rental properties as a way to cut down on their management expenses.In order to decide what option is best for your portfolio, let’s take a look at all the landlord duties you will be taking on if you self-manage or that you could pay a property manager to handle.

Not only is it unsafe to collect over $7,500/m in cash, it also begs the question "why" each party goes to and from the bank with so much cash as a preferred option. 

Your only option may be to have it structured that way in order to get the loan approved and/or to pass compliance. 

I’m also curious because I’m trying to plan out my purchase later this year, and exploring all options. 

My team and I have been testing a few options since January and the favorite by far has been Monarch Money.  

If you are going to take the deal I would try to find options that do not have a prepayment penalty or maybe up to 1 year.

Not knowing the final plan, I'm not sure if 1031 is a good option.

One could either use the first option to earn more money or counterbalance housing expenses with it.