So, also yes, affordability is a real issue for a lot of people. 

As long as you're doing longterm leases and you vett tenants well, HOA shouldn't be an issue.

Every time I rent to individuals less than that there are delinquent payment issues.

The whole Lady bird/FHA thing can have some hiccups and going FHA for your parent’s home will cause issues with you getting the next FHA home.Instead do a gift of Equity going Fannie Mae 5% down (use the gift of equity) to cover and for any closing costs.

Better to lose some rent than to have a significant issue with a tenant that would have the protections of a long term renter.   

Some people say multi families are harder to sell than single family houses because the buyer pool isn’t as big but I keep my properties in tip top condition and I just don’t see that as being an issue.

No pets means no pets.I usually explain to the tenants that it is an insurance issue.

If it is a duplex and silent on the issue and you offered it to this tenant gratis your state law may say something about it.

Even the narrowest without garages might be 12 units per acre. mixed use is complex and you need a commercial agent. that's a small plot for mixed use. if you don't have a lot of experience I'd recommend talking to the city first about permitted uses within your zoning and what they may allow variances on for development, check your height restrictions first.

Property purchased late 2018, so seasoning is not an issue. yes renovations were done sone time ago.The lender is involved in BP, so I’ll leave it at that.