(I expect to factor in this cost when running my numbers.) 

It really depends whether or not you want to go to school and other factors.

Not a hundred moving parts involved is one factor.

The ability to make a positive impact in the infrastructure of local neighborhoods and economies continues to win investors.FAVORABLE LEVERAGE/DEBTMultifamily benefits from the most favorable financing treatment of all real estate asset classes, oftentimes receiving the most competitive interest rates and longest amortization periods.This favorable environment is led by agency lenders, which were originally created to support housing stock.

And there is no real shortage of housing when you factor in migration and desire, in fact many states have a surplus of housing.

Also, I would have to look at the cost factor in renovating to create separate units.

@Nana QwequBanks also consider other factors like the debt coverage ratio depending on the type of loan or the type of property you’re trying to buy.

What are key factors that weight into who you chose, and why are those important?

Agree with Jeff's comments on not being able to factor in income.

When using a secured loan as help for a down payment you will need to factor in that generally at least some reserves are needed depending on the loan type you go with.Best of Luck!