After all the planning it’s going to be 13 units total,One 4plex and three 3plexes

When I move out, I plan to give my side of the duplex to my mother as she plans to retire soon and I don't want her to have to worry about how she's going to afford rent.

Does anyone recommend a deposit alternative insurance company?

Or does insurance deal with all of it?

I am currently house hacking a property and planning on moving out and renting out completely.

Yeah I plan on having a property manager in the next 4yrs but for now I can manage most things myself.

My plan at the moment is to look for single family residences in or near my home city (Mobile, AL) in the price range of 50k - 75k to BRRRR.

Downside on FHA is the Self Sufficiency rule where all units, taken at 75% of gross rents must at least equal the total mortgage payment including property tax, home  insurance and FHA monthly mortgage insurance.

There is still another month in planned rehab, so nothing pressing, but would love any recommendations people have!

I'm under contract on a single family home in Chicago, and the rehab will include adding two dormers, so I'll need an architect to draft a full plan set for submittal to the City of Chicago Planning Dept.