Discuss the Loss of Rents (aka Business Income) coverage with your agent.  

Sounds like a good candidate question for Tax Tuesdays.

A good way to generate income in Huntsville is through multi-family unit investments, which could result in high occupancy rates and consistent rental income due to the city's thriving economy and expanding population.

Tenant Quality:Plano attracts a higher-income demographic due to its good schools and proximity to corporate headquarters.

I would focus more on going to meetups, saving money, and learning, before jumping too soon into something with a hard paydown vs. incoming income and no savings.

Let's say Taxes are $200/month, and Insurance is $150, and you put $100 in a maintenance reserve.  

I will give you some of my highlights.People in Texas complain about their property taxes at 3% ours are about 4.5%.New York in general and Monroe county specifically are very tenant friendly.Depending  on the town, the code inspectors/police can be quite anal.Since Covid and the 2020 protests we’ve seen an increase in crime in the city and therefore weakening demand in the city proper and increasing demand for the suburbs.Industry is well diversified—University of Rochester (medicine) L3Harris (defense) xerox (IT) and paychex (software/hr)) and relatively recession proof.Population growth is low and therefore appreciation (except the past 4 years) has been moderate as well.There aren’t many builders in the area so supply is relatively fixed.Home (and rent) prices are both affordable with homes typically being less than 1/3 median household income and rent being similarly affordable.For single family homes at 8% rent will cover piti with about 100$ to spare in the A areas.

Taxes are an issue as well. 

I do have a full time job that I work as my primary income so this is more for fun/expanding my horizons.

NV is a good state to invest because of the landlord friendly laws and low property taxes.