Rural areas are typically defined as areas with populations of fewer than 35,000 people.Use: The property must be used primarily for rental purposes and provide affordable housing options for low- to moderate-income tenants.Developer/Owner Eligibility: The developer or owner must meet specific eligibility requirements set by the USDA, including financial stability and experience in property management.Income Limits: The tenants who will be residing in the multifamily property must meet income eligibility limits set by the USDA.

It's your job as a landlord to pre-screen potential leads (gross income, credit score, evictions or not, etc) and then only schedule showings for those people that meet your screening standards.

My long-term goal is to replace my income with passive income to not have rely on my day job.

Usually, rent-by-room generates higher gross rental income than whole-house rental.You could also look into STR on the house and time-block when you want to use it.

This is my wife's first job, so she won't get much of $$ on her mortgage alone, but I want her to eventually get a mortgage under her name once she establishes her income in the next couple of years.

Will move to Hawaii and qualify off of W-2 and current rent rolls/income 

Hi I'm new to this and looking to start my journey towards financial freedom, I'm looking into purchasing a multi family rental unit to start earning passive income.

This helps ensure you can manage payments even if the property isn't generating income right away.Given your situation, if you're aiming for an investment property and have about 3 months of PITI saved up, you're likely in a good position for a conventional loan.

@Amanda George you have no income at all? 

Trying to make some passive income and open to suggestions