However, the higher your risks too (remember the two main risks I outlined above?)!

Hello everyone,I recently purchased a property that I am going to househack then rent out after a year or two of living there.

Also they have influence to home price,DTI and appreciation.In very high home price area, many times due to affordability crisis, only 30 Year is available. 15Y is out of the picture pretty quickly.In medium high price area, for example, 300k-500k price range, and DTI is about 20% ; then 15 vs 30 are two solid choice.The way I look at it again is not from cash flow.

Now is one of the best times to get into the market, once the Fed starts lowering rates that's going to bring more demand into the marketplace causing prices to increase at a faster pace again so if you get in now you capture that growth and get the opportunity to refi when rates are more favorable in a year or two.

I am making an offer on a multi-family home that has two units.

Control and financing are only two advantages to real estate. 

The landlord and USPS are telling me two different things, and I'm just in the middle. 

If I was a landlord I would ask for two months deposit plus first months rent upfront to show your commitment, then rent to start 4 months from lease signature.  3% escalations a year and an option to renew for another 10 years assuming all rents were paid on time.  4 months puts the pressure on you to work full time to get the place where you need it to be. 

When I have clients contemplating the two, I look at holding plan (you already did this, so great there) and the difference in payment.

I also met two other agents along the way: Mark DiMaria & Barry Brooksby.