For detail all in the same year; I totaled my car, I had to move in with family, struggling in college, employed as a Janitor with no clue to what the heck I was doing.

As you said yourself, there're plenty of other contributing factors when evaluating MFH (things like infrastructure, job growth, major employers, etc...)

@Nick Winikoff I always suggest employing a multichannel system of lead generation, response and follow-up.

I want to employ the BRRRR strategy on Duplexes, Triplexes or Quads to start as opposed to SFRs (but I may start with SFRs) and want to initially limit the use of my own cash to about $50K/deal.  

Tough to collect rent from people already suffering from the Covid 19 or from lack of employment, specially in my state of New Jersey.

Hi Chris - The way I see it there are a few options when one loses access to employer-sponsered health insurance.1) Obamacare - There are significant federal tax credits available for those earning less than $100k. 

But from what I know about my local lenders is that you still need a steady income and employment to qualify for an FHA loan.

The area is less desirable overall, but closer to the large employer in my area.

I’ll need to employ Claritin D as one of my tools.  

In the meantime, if your employer offers a match, I would contribute the minimum necessary to receive that; take all of the free money you can!