@Jason Wray,what impact having a blanket alone will have on her insurance?

Small multi-family is in high demand. 

I have been looking at high single for SFR BTR. 

I understand it is a difficult market at the moment (High interest, High prices, etc), and I have no problem playing the waiting game.

Paying down a mortgage quicker gives advantages if you believe the appreciation outlook is high because the debt pay down will give you more benefits when the property appreciates.

Potentially, but highly unlikely.

My wife and me work in tech, we were considering house-hacking with 2-3-4-plexes, but risk is too high here and reward is too low, Seattle is not landlord friendly and we like to have flexibility.

The big brokerages do offer great support, but your fees will be high.

Highly recommend our realtor Candace Pfab!

However, she did warn me that both HELOC and DSCR rates are insanely high at the moment, but she said that it's a possibility if I can make the payments.