I'm certainly not advocating holding your rent @ $400 when the market is @ $700, but take into account the NET amount you are making on your tenants when deciding if its worth it to trade a 3% rent increase for a possibly broken business relationship with your client.

Because it accounts for every way I make money on my real estate. 

as a single property owner, do not want to pay full price as there may not much of need of reports, looking for state specific lease and ACH/Zelle/paypal kind of payment options for application fee and Rent collection. any recommendation on which plan would be best?

I will give you some of my highlights.People in Texas complain about their property taxes at 3% ours are about 4.5%.New York in general and Monroe county specifically are very tenant friendly.Depending  on the town, the code inspectors/police can be quite anal.Since Covid and the 2020 protests we’ve seen an increase in crime in the city and therefore weakening demand in the city proper and increasing demand for the suburbs.Industry is well diversified—University of Rochester (medicine) L3Harris (defense) xerox (IT) and paychex (software/hr)) and relatively recession proof.Population growth is low and therefore appreciation (except the past 4 years) has been moderate as well.There aren’t many builders in the area so supply is relatively fixed.Home (and rent) prices are both affordable with homes typically being less than 1/3 median household income and rent being similarly affordable.For single family homes at 8% rent will cover piti with about 100$ to spare in the A areas.

Retirement Accounts: Certain retirement accounts, like a 401(k) in the USA or an RRSP in Canada, allow for borrowing or withdrawing funds for home purchases.

@Tom Gimer since I know you have a background in law, and Account Closed since I know you have defended a creative transaction of yours in court...To me this discussion of Morby method only sounds ok from the perspective of 'mechanics of a transaction'.

Also, can I insist on single occupancy in each room without violating antidiscrimination laws? 

"I will buy at least one single-family home, duplex, triplex, or fourplex before the end of 2019") and then do it.

Ask them how much you could qualify for based on renting your current residence and buying a new single family home. 

It's advisable to research US real estate markets that align with your investment objectives, taking into account factors like employment growth, demographic trends, rental demand, and property values.