I would like to know how well you believe they can help somebody  achieve passive income

We will achieve this buy finding a home with a large lot, build a detached ADU (accessory dwelling unit) and rent it out ASAP. 

If they are completely undisciplined financially then yes a 401K it helps them save, If they are more sophisticated and understand real estate investing for example and how it grows your wealth then they can reposition themselves into another investment beyond a 401K like rental properties.Here's the formula: knowing thyself X your own financial education X your own financial plan = YOUR WEALTHMy point here is that anyone can do well and be wealthy(working toward and achieving their individual financial goals, not society's) based on their ability to figure out how they can use their natural strengths and mitigate their weaknesses, coupled with the vehicle and plan that suits them best.

If your plan is to reinvest the cash, whether in properties during a down turn or even another business venture, your plan may be a sound one.We all want to achieve financial independence and everyones path to that goal is different. 

Those that become successful and hone their reputations may be better but most will never achieve that level of success or are so ingrained in the deceptions of the business they are unable or not interested in change.

It's a 3/3, but both apartments are railroad style. 

I have searched online briefly but I’m looking for stock/unstamped plans for urban style infill residential single or multi units.

What kind of income do you have and what will be the tax consequences of the different forms of income you expect to achieve through real estate investments?

I am not ready to buy yet and she knows that, so I'm treating this as some friendly mentor-style help.

Check faucets and under sinks for leaks.If you are an over achiever, drain and flush the hot water heaters every year.