Once you have an FHA loan you are not allowed to have another FHA loan unless relocating a great distance for work.Now that you have exhausted your Low Down Payment Options (Portfolio Conventional and FHA) you will need to use a Standard Conventional Loan and put 20% down to get your 3rd Duplex but by that time you might have more saved up.The sky is the limit...you could continue to buy properties and build an empire or just stop there and enjoy more free time...I have friend who quit his job and just manages his properties now.Keep in mind that this 4 step process I outlined takes time (anywhere from 1 to 10yrs depending on the person) so keep the big picture in mind but don't let it stress you out too much.

It's not worth the stress IMO.

How is stress defined ? 

@Anthony Heyward If by "exciting" you mean "terrifyingly stressful", yeah!  

With an entitled society "free" means the recipient has the "right" to get what they want the way they want it at someone else's expense.

It was exciting and stressful all the same yesterday as I was at the bank wiring $$ so I can acquire four notes in OH.  

THey aren't the cheapest, but I'm looking at the stress-free release of paying a bit more for lease ups, to not have to put on the armour to fight the nickle and dime approach of some other companies (energy better spent finding deals). 

It's time consuming and stressful.

If you are never feeling any stress I feel you are not growing. 

A couple of reasons why commissions may be higher in the US: (1) we have one of the most litigious societies in the world, and need to reserve more money for E & O insurance; and (2) we're also more geographically dispersed - I guarantee that a DFW-area Realtor drives a lot more miles than one in Tokyo or London.Legal cartel?