This would allow you to put less down.

Taking advantage of 3.5%-5% downpayment programs that allow you to buy a 2-4 unit multifamily property?

Just as others have mentioned, a Debt-Service Coverage Ratio (DSCR) would allow you to potentially get an investment property without dealing with the income verification. 

If your modified adjusted gross income (MAGI) is below $100k, the passive activity loss rules may allow you to deduct up to $25,000 in passive losses.

FHA does not work in San Diego market on triplex and quad due to sustainability requirements.Late last year a new OO loan product was released that allows 95% LTV on up to 4 units without the sustainability requirement. 

Here are some tips for a cost-effective installation:Shop Around for Deals: Look for discounts or promotions from local suppliers or consider remnants from larger projects to save on material costs.Consider Prefabricated Granite: Prefabricated granite countertops are pre-cut and polished, offering a more affordable option compared to custom-cut slabs.Hire Reputable Installers: While it may be tempting to cut costs with DIY installation, hiring professionals ensures proper fitting and longevity, ultimately saving on potential repairs.When it comes to return on investment (ROI), installing granite countertops can yield substantial benefits:Increased Property Value: Granite countertops are a desirable feature for renters, potentially allowing you to increase rental rates and attract higher-quality tenants.Long-Term Durability: Granite is known for its durability and resistance to scratches and heat, reducing the need for frequent replacements or repairs.Tenant Satisfaction: Tenants are likely to appreciate the upscale and modern appeal of granite countertops, contributing to higher tenant satisfaction and longer lease durations.The appeal of granite countertops to potential tenants can significantly impact property occupancy rates:Enhanced Aesthetic: Granite countertops convey a sense of luxury and sophistication, making your property stand out in the rental market.Competitive Edge: Properties with granite countertops often have a competitive edge over others, attracting more prospective tenants and reducing vacancy periods.Positive Reviews and Referrals: Tenants may be more inclined to leave positive reviews and refer your property to others, contributing to a positive rental reputation and sustained occupancy.By strategically incorporating granite countertops into your rental property, you can elevate its appeal, attract quality tenants, and maximize your investment returns.In conclusion, granite countertops can significantly enhance the appeal and value of rental properties.

Starting wholesaling first see if your state allows it.

I’m not sure I’m allowed to say the name on here.

@Josh Hall In my area we are allowed by code to replace the first outlet on the run in each room with a GFCI outlet and then the remaining 2 prong outlets are all covered by that ground.

Am I allowed to increase rent more than 3% when I buy the duplex?