. - the tenants: long story, but they are the parents of a pregnant neighbor, who is a RE Agent too.

I would rather not "get pregnant" with a house here and a huge loan...I can always buy a dream house once the investments pay out.

Three years ago, he had a very bad job transition: for six month we lived for 600 bucks per month, I was pregnant and was throwing up non-stop.

I feel even more uncomfortable with the situation because he has told me that the girlfriend is pregnant with his child.

"Disclosed Operating expenses:"RUN your own numbers.400 rent X 4 = 1,600 monthly X 12 = 19,20019,200 gross income divided by half.10% vacancy30% operating and expense10% managementYou have then 9,600 a year.At a 10 CAP you have 96,000 purchase price.1 beds have a lot more turnover than 2 beds do.The people get a boyfriend or girlfriend,get pregnant,family member or mom moves in and they now need a 2 bed.Pay attention to if 400 is at market or below market rent.If it's below market you can keep tenants staying for a long time.If it's high for the area or at market people will move as soon as their income starts falling to a cheaper alternative which creates more turnover.For each turnover you will have lost rent and re-condition costs.The 96,000 purchase price does not include immediate fixes.Example the roof needs redone,mechanicals only have 1 or 2 years left before having to replace etc.

My fiance is pregnant, I have 30k in debt, and just last week I lost my job.

You need to find out what protected groups there are in your jurisdication, in addition to the federal groups: race, color, national origin, religion, sex, familial status (including children under the age of 18 living with parents of legal custodians, pregnant women, and people securing custody of children under the age of 18), and handicap (disability).

That is, it may not discriminate against families in which one or more children under 18 live with:A parentA person who has legal custody of the child or children orThe designee of the parent or legal custodian, with the parent or custodian's written permission.Familial status protection also applies to pregnant women and anyone securing legal custody of a child under 18.http://portal.hud.gov/hudportal/HUD?

It depends on what the tenant base is.Efficiencies and one units have a bunch of negatives.Turnover and reconditioning cost is high.Lenders upon refinance also do not like 100% 1 unit buildings.So it can be hard getting cash out after rehab with that unit mix.Also what happens is usually if someone fall son hard times with a2 bed they can get a roomate and stay.If the girlfriend gets pregnant they can convert the second bedroom that was an office back into a bedroom.If the girlfriend of wife gets pregnant a second time they can take the 1 bedroom and take out the one bed and put a bunk bed in.With 1 units unless it is an abnormally large space for a 1 bedroom most tenants will move to a 2 bedroom.I personally like 2 bedrooms unless you are talking college dorms or seniors that need a 1 bed or studio space.

She gets pregnant.