On the other hand, with a multi-family home, given there are more than one tenant, you would spread your risk. 

I dunno small multifamilies have their own logic and it's not based on a spread sheet.

That’s only for three months and avoid spreading people out to the streets where they will freeze to death. 

The housing market in Austin right now is brutal with multiple offers, at least $100K over the asking price, as is, and property taxes through the roof.Tons of money in the Austin area as people continue to pour in from other states.You will find 480 sq. ft. 2 bed, 1 bath homes in the Del Valle area listed at $250K and more.Rehab and repairs will take awhile as well as contractors are spread out thin with multiple jobs all across the greater Austin area.The amount of money you are looking at spending will be just enough, but you better get in now.

While I try to google or research forums before asking a question here, you know how deep and drowning google answers can be, and some of the forum topics are too spread out :)Need help in understanding mortgage banker process (for those who have the license): what is the sequence of mortgage banking, is it that first you become a mortgage loan officer (mlo) and then apply for broker license?

@Sevak Gasparian Nice spread, well done! 

Might be a little more expensive to finance but it sounds like you have more equity that way and you have more units to spread risk. 

And I spread that out over the year.

The whole "economy of scale" thing kicks in and you can spread that cost.I look at tiny home communities as a fusion of the privacy and sense of security/ownership of single family with the form and function of multi family.

That doesn't mean they're getting rid of investor loans, but that they're going to be more expensive and you may have to spread the loans to more than one investor or go DSCR where they've lowered restrictions and rates and increased LTV's.Stephanie