Quote from @Raif Jochim: Bigger Pockets Community -I'm trying to plan for the future and have a question I'd like your thoughts on.  

One thing I can assure you, there isn't an asset class in the world that would have me comfortable at 100% leverage.Your money on the sidelines is great in principal but in reality it will be put to work covering the net loss on the properties you buy as you will be overleveraged and won't be able to cover your operating expenses with the rent.

Purchase price: $86,000 Cash invested: $2,500 After being done with Rich Dad, Poor Dad, several podcasts (including bigger pockets), and other resources we were desperate to take action.

It is a general statement about a very popular "community" that receives plenty of derision on Bigger Pockets and coaches teach likewise. 

The landlord policy will usually address liability and rental income loss for the rented unit, while the HO3 covers your personal belongings and liability for the owner-occupied unit.

I've also considered bigger multifamily 5+ units but need to research it more.

A new person doing an OOS BRRRR right now is ripe for a loss.

Pay the higher to use the bigger houses give you a piece of mind .

Bigger Checks/Bigger bills = Bigger buy down of interest and bigger savings/leverage.

Ideally it should still cash flow solidly but may not appreciate quite as rapidly as the bigger market.