(FYI, We are trying to build a small (5 to 6 properties), high quality portfolio in the next 5 years, planning on putting 25-30% down)The investment opportunity in question is a new build, single-family home with a 3-bedroom, 2-bathroom layout, accompanied by a 2-car garage, located in the neighborhood of Wesley Chapel, FL.

My wife and I are proud buy & hold investors with 4 doors (2 single family, 1 duplex) and are looking to grow as our financing opens up.   

I wonder if we will see a similar crash in Single Family - I'm skeptical for a number of reasons, prime among them the relatively stable debt and huge percentage of homes owned free and clear. 

Tenants will bring in family members who are temporarily/permanently homeless, single moms will bring in new boyfriends, daughters who produce children will have a tendency to drop their offspring off with grandma and grandpa to raise, etc.. 

Here are a few reasons I want to move into this industry: I love property (and would love to own it around the world), I enjoy spending time with family and traveling, I want a more flexible life down the line so I can spend more time doing the things which are important to me.I am looking for someone in the UK or European market and would like to have a stimulating conversation with you to learn more, and I would love to offer my time and energy to help you towards your business.

Background:My wife and I current live just East of Dallas in a single-family home (past 2 years).

I will be putting anywhere from 3.5%-5% down on the property so with that in mind, would y'all recommend starting with a Multi Family and reduce my living expense or with the SFH and not cash flow until year 2 when I am out of the property? 

I would call this a one-and-a-half plex. it is a converted single-family home.

I have plenty of clients who 'make' enough and would have no trouble qualifying, but there is a benefit to keeping liability off of yourself and funneling your debt, et al. through the asset itself.Plus, if you keep it at 1-4 units, most DSCR lenders would still qualify that as "single-family" so you would still be eligible for 80% leverage on purchases and 75% (or sometimes 80%) on refinances. 

After listening to 100 podcasts I felt I had the confidence and game plan necessary to start accumulating multi-family homes.