Kinda costly and stressful.  

And as a husband/father I would love to live life with no more financial stress.

And as a husband/father I would love to live life with no more financial stress.

This is the way to Invest for the long term and not stress. 

Net Worth - Unless you're in a high appreciating market for single family, you can't beat the increased net worth that comes from multifamily.Does it cost more to get in the game, yes....but the upside is greater.You will have more potential tenant and maintenance issues, but it's a small price to pay for the benefits of multifamily ownership.I can't stress this enough.....Know your numbers inside out.

If we use a HELOC we would need to refinance quick to pay off the debt... and that stresses me out. 

Sell one by one as needed to lower the stress and hassle level. 

Even I could probably cover all the cost if I rent the unit out, it would leave us a very little income and can be very stressful to find good tenants, continuing repairs etc,, I believe.

In the book, multiple times the authors stressed the importance of putting together a policy binder for your rentals.While I feel like I have a good grasp on the understanding of how I run my house-hack so far, one never knows when their last day on earth will be.

By establishing reserves, you are planning, which will, in the long term, reduce stress and expenses!