Please suggest what kind of a loan i am eligible for.

When you break down the HOA fees vs a expenses on a single family home, you typically see comparable numbers with the exception of amenities maintenance, which as you have already suggested, can drive up income & demand. 

You mentioned a wide variety of interests - so my suggestion is to focus on one or two that really resonate with you and dive in.

The high appreciation rate suggests a robust and growing market.3.

For the four-plex, if you're thinking about taking out a new 5% conventional loan, be careful to review the loan criteria as they could also have occupancy limits.Renting Out Your Current Primary house: One popular way to make extra money in Charlotte is to rent out your current primary house.

Find local vendors in the neighborhood and try to partner with them for either a commission or a discount to garner good reviews which will pay dividends.

Suggestions are greatly appreciated!

I might even suggest just putting 5% down so you have more money when you move to another state. 

Investor hours alone (reviewing documents, reviewing financial statements etc) without that person reviewing then going and taking action does not count.   

My fiancée and I will be beginning our real estate investment journey in 2024 and are looking for any suggestions or pointers as we make some of our initial decisions.