Hi All, I am a 29-year-old working a W2 job that pays well.

Within a year my wife and I acquired four multi-families properties with a total of 20 units, and eventually another building to rent out (currently a bait and tackle shop) as well as an Ice House.

The calculator does not really handle the calculations well for these scenarios.

This is called a BRRRR and it works on a 2 or 4 family just as well.

., refrigerator, stove, dishwasher, microwave)]Utilities: [Indicate whether utilities are included or not]Pet-Friendly: [Specify whether pets are allowed or not]Outdoor Space: [Describe any outdoor amenities like a backyard, patio, or garden]Additional Features: [Mention any additional features like hardwood floors, fireplace, or walk-in closets]Property Highlights:Spacious and well-lit interior with [describe any notable architectural details or design elements]Open concept living and dining area, ideal for entertaining guestsFully equipped kitchen with modern appliances and ample cabinet spaceRelaxing master suite with a private bathroom and [mention any unique features][Add any other notable highlights or selling points of the property]Location and Neighborhood:Situated in the heart of [City, State], our home is conveniently located near [mention nearby amenities such as schools, parks, shopping centers, and public transportation options].

This will probably not work out well if your wife is not fully on board.

Would you be willing to share your current contract with me as well? 

Ian said it well. 

This has thrown me for a loop now because my mortgage payments have gone from just over 3k  to 4.5k due to the increase in property taxes as well as my insurance increase.

To start a qualified realtor who knows your market well and has a proven track record.