You can find the article here. https://www.biggerpockets.com/...

I saw an article that claimed to exclude payments for rent.

Not to scare you, but here's an article about a foreclosure in NY that may have finally ended, after 23 years.  

To soften the blow, you could even print a recent article that explains why rents across the country (or your particular area) are increasing at such a high rate.This gives you 3rd party verification and shows you are not just pulling numbers out of thin air.I imagine the tenants will not be surprised, and will likely be wondering what took so long for the rents to increase over the years.I read a recent news article about a lady in Plano, TX that got an increase notice of $750…yes $750 on top of existing rent rate. 

From reading your post I'm not seeing someone looking for a Miami real estate investment so much as someone looking for a first time home purchase.The good news it seems like you've got a lot of options.

I have read many articles and met folks who have had mixed experiences with Property Managers.  

Hello Fellow DMV Investors,
Here are some interesting recent stories from the D.C. real estate world.
The 8 DC Neighborhoods With the Highest Appreciation in 2021
Did the DC-Area Housing Market Cool Off in Septembe...

I wrote an article for the BP blog a couple months ago that will shed some light on this for you:  https://www.biggerpockets.com/...

Well bad news a Conventional Owner occupied 2-4 unit is a 15%-25% down payment, even with a Conventional Affordable 2-4 unit the down payment is 15%.

If it's fairly easy to find a tenant for the larger home, then find a new tenant for the larger home.The good news?