I almost feel guilty with how little tax we pay but dealing with it!

Get a new property manager and inform tenants to pay to new bank account. 

Now you need to figure out how to find deals and pay for them.

Either they pay or the the courts kick the tenant out.

Typically a HML will not lend on owner occupant property due to federal compliance issues.

I also have a primary residence with nearly a JUMBO loan at a high interest rate and I own a vacation place in cash (small trailer not worth much money but i also own the land) in a different state that I pay RE taxes on. 

The sooner you buy, the sooner you start having someone else pay your mortgage.

By having more tenants there are more eyes to watch for issues that may pop up, more people paying rent, and if you have one of the units vacant for a bit, it will not hurt the bank as bad as it would if you only have two tenants in the building and one of them left.   

Make sure you don't get talked out of things conditions (ie inspection and financing-unless you are paying cash or know enough to do the inspection yourself).

In our case we had to pay approximately 90% of what the appraised value was.