I don’t see those opportunities in SFH anymore, and I’ve always been curious about using MFH to address their independent (yet similar) housing crises.  

We used pay for life insurance but we are financially independent and no longer need it.

Can you just independently broker any type of real estate even if you're not associated with a firm?

She is an independent contractor (long time history in her field) & he is working on starting a new business so they don’t have typical W-2 incomes.

Keep in mind, also, that there are many buckets that we can combine to replace that income, and get us to that goal of financial independence sooner.

Contact a couple of independent agents and I'm sure you can find one that will cover what will be essentially a 2 family house. 

The general idea of financial independence / retirement is that you do not HAVE to keep contributing to your wealth.

We do need to propose our own solutions to these problems though - for example increasing funding for section 8 would decrease evictions AND be less of a burden on landlords than eviction moratoriums.Imagine, for example, if independent landlords got together and had enough marketing creativity to create, get the public to support, and get landlords to take, a Pledge -- much like Buffet/Gates' "Giving Pledge" -- that they would operate their housing for the good of the community.Imagine if we, like many other industries, self-regulated by our own market pressure such that reporters looking for stories could write stories we want the public to understand. 

My best advise is to contact several independent agents and see if any have markets. 

And you should do both, independently of each other.