He's stating his professional opinion being one of the people who does this for a living at a high level.You've also mentioned E&O insurance earlier. 

Unfortunately, ACs are not massive ROI movers, because people just expect them.

I beg to differ.Personally I feel people need to be a bit more discriminative when using words like "best". 

Every lender has their own overlay and rules so its important to work with an investment experienced broker who can help guide you in the right direction.

This is a great place to learn and to connect with people so take advantage of all the great resources.

I think I know the answer but wanted to verify with more experienced investors.   

Also, I would also not cross-collateralize the houses if a lender would even do a portfolio loan.On your second question about multifamily, I would not jump to multifamily until you have experienced the common management problems with single-family as the expenses scale with the size of the property as well as the cost of mistakes.I would consider getting Home Equity Lines of Credit (HELOC) on each property.

For what it's worth, some ideas I've seen pitched are grocery bundles (e.g. a breakfast bundle for 2-4 people with eggs, bacon, bagels, cream cheese, and OJ all pre-stocked in the fridge), meal kits, a pre-stocked drink fridge, charcuterie boards, premium coffee selection, bike/e-bike/scooter/kayak/canoe rentals, video game consoles, upgraded work-from-home office amenities (e.g. oversized computer monitor), etc.I'm not a lawyer, but cocktail kits, bottles of wine, local craft beer, and other alcoholic items seem like they would fall into a grey area from liability perspective. 

Guess I am just typing out into the ether at this point how I am feeling, but curious as to people's thoughts on where they have learned the most as a newcomer?

Number two is Tampa Heights, south of the university and slightly north of downtown; this old neighborhood of Tampa Heights is attracting more people than ever.