The benefits of downsizing are: Saving Money - Moving into a smaller home typically means having a lower monthly payment and lower utility, insurance, and maintenance costs.

So I've been thinking of ways to creatively and legally utilize an FHA loan to fund a multifamily property. 

This route just doesn't allow you to split the utilities, and you have to conform to occupancy limits for the whole house, instead of the units individually.

I don't like technology and would rather spend my time interacting with clients.

@Kerry Baird @Bill P. as landlords/RE owners, if you were to be approached by someone looking to utilize the Airbnb/VRBO models in one of your units, what would be the criteria that would convince you to lease to that individual vs. doing it yourself, or leasing to a traditional tenant?

I don't know how the handled it but they put the utilities into my name the next day. 

If I update the lease can I increase the rent since I pay the utilities?

My current area is terrible when it comes to real estate investment and looking for any cash flow positiveness.Also since I can only buy a single property per year as a primary resident, by utilizing 10% downpayment, I'd like to maximize as much cashflow as positive rather than just ROI.

Reasoning for this strategy would be to utilize the 3.5% and keep other money for next move after that.Other plan Im considering is buying either a multifamily nearby using a 20% down payment, or an out of state investment property with 20% down.

Is it possible to have a licensed relator become an "employee" of the company and utilize their license to give the company the ability to receive commission splits?