I can keep going, but that will all depend on each answer.Let us jump to your comment about your spreadsheet calculator, as I mentioned market could be completely different depending on where you live in, fo this you have to look at what you want to focus on "appreciation" or "cash-flow", there is a balance between them when one increase the other drecrease, and that will always depend on the market, neighborhood and cities where you are planning to invest.Finishing with your comment about wholesaling, please don't look at it until you fully move-in, wholesaling is another beast that is managed different and requires a lot of partnership, relationship and local knowledge.Let me know if I can be helpful in anything else. 

You can put a mortgage into a "trust: without triggering a due on sale but again contacting your bank/lender is the best route to avoid any issues.Some banks/lenders or servicing companies change guidelines and even a trust may require other paperwork but the attorney usually facilitates that to be safe.  

If your home is newer, requires little maintenance, and doesn't experience a vacancy for at least 12 months, your $300 cash flow can build up a tidy reserve to get you through.

Think about it, why do people do Airbnb........make more money, however they have higher vacancy rates, and more management required.  

Low Down Payment OptionsGerman lenders often offer financing programs requiring only 5-10% down payments, particularly for primary residences.Strong financial regulations in Germany support these low down payment options.3.

But tax wise just here to note if you buy a 4 unit as a primary when you go to sell (if you meet the requirements) only 1/4 of the gain could be excluded under the 121 primary home sale exclusion.

Ultimately, I do think S8 requires scale and lots of efficiencies but has its benefits. 

Additionally, involve a real estate attorney to ensure the transaction aligns with legal requirements and protects both parties’ interests.

I think in this environment lenders are changing requirements, guidelines, and product availability daily.

Above are just hypotheticals, but they bring to light the point, which is, evaluating opportunities requires apples to apples comparisons.