Hit me up when u get back.

Go with the 3 or 5% conventional, paying MI which is cheaper and comes off once you hit 78% ltv. 

I have a client, who was recently divorced thus taking a hit on their credit. 

But, there will still be a percentage, Zillow guesses 25% that will hit the market. over many months through 2022. 

I think it would be hard to hit that $4,300 mark right away, but give it a couple of years and I'm sure we'll be there.

With a smaller portfolio of paid off properties you have to deal with less leaky roofs, HVACs going bad, and other headaches that can arise while still hitting your cashflow goal.

I was able to handle everything with a overly full time job until I hit 7 SFH, then I dropped to part time because I simply didn't have enough time to do everything I needed to.

@Matthew ConnerYou will take a rate hit for being manufactured housing.  3.750% is high, but not that high...

I'm sure with more "Time in the Saddle" you will get into your own routine (one that works well for you), then you will feel like you have hit a "Bonanza".Good Luck!

@Jonathan Ng hey Jonathan, you could look into finding a private lender or hard money lender but odds are the terms will be worse than a conventional loan, so you’re probably better off focusing on acquiring these initial properties with conventional (or possibly FHA) financing and worry about more creative financing once you’ve hit the limit on conventional financing.