I currently own a duplex in Massachusetts that I house hacked for 2 years (without even knowing that's what I was doing).

Even if I start with one property and work my way up from there, I’m certain I can be good at it.

I imagine you have shopped for a lower insurance quote, even though many companies have left the Southeast and Florida.

Because they are squarely in the Athens / Limestone County area, and not even in the same county as Huntsville.  

However, if you plan to rehab at all, you will then need a licensed contractor to provide bids on each project you plan to rehab.You will then be asked to provide a proof of any funds to close, purchase agreements, and if closing as an LLC - most times documentation on that LLC.Overall, the larger number of units (5+) makes the lending process based more off the property than the borrower, contrary to traditional single family housing.I would recommend you work with a Loan Originator/Broker who will be the medium for you to the lender/s.

My wife and have 2 duplexes and 3 single family homes.

Even title insurance doesn't guarantee you have good title. 

Add to that any tenant/buyer scheduling woes that would deter buyers from viewing the property at their convenience instead of having to accommodate tenant schedules (even if you're delivering it vacant, which is a big plus). 

BiggerPockets also has a calculator to analyze deals, and I highly recommend you start this as soon as possible, even if you are not ready to buy.

Yes, even counting the wonderful Cali appreciation.If you run the numbers at 50% down, @ 7%, PITI is $4500 per month!