I would like to buy a home as i feel the prices will shoot up by the next year when the interest rate comes down and also, i feel 3400 rent is too high to pay .Should I buy a townhouse as my primary residence in Silicon Valley (Sunnyvale, SJ, Fremont, etc.) for $1-1.2M, or should I buy an investment SFH (Single Family Home) outside the area for $600-700k, given that I need to move out of the country for 1-1.5 years and want to ensure a good rental market to cover my mortgage or part of my mortgage?

Maybe those bets pay off, maybe you get burned and now have to make up for those losses to get back to even and then keep going to get ahead.If you are planning on investing for the long term, just remember, that the average single family needs north of $400/mo reserved to replace the roof every 25 yrs, repaint the exterior every 15 or so years, HVAC every 10-15 years, flooring, interior paint, kitchen remodels to keep rents high, bathroom remodels, new decks, fences, retaining walls, garage door openers,...  

I know there's no single correct answer but would greatly appreciate your input and guidance as I'm a bit nervous with my first big purchase.

So if there are 2 people living in the house and 1 in the ADU, 67% of the bill is charged to the house and 33% to the ADU. 

I have a tenant month-month in my one single family home who I know I need to give 60-days notice.

The lender is allowed to charge fees to manage a delinquent loan. 

Typically our lending partners programs are as follows:Rates: 10% to 14% (Most Deals are 12%)Terms: 1 Day - 24 Months (Most Deals are 6 months)Fees: 2-5 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $200,000 we charge $2,500 minimum)Max Loan: 65% of After Repair Value(ARV) 100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 10 business days)We have private lending partners throughout the entire United States that cover the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, TN, TX, UT, VT, VA, WA, WV, WI, WY.

They actually charge me less for the actual flooring than I can buy it at Home Depot so that cost savings helps offset the cost of the install and their install prices are good.

The firm I worked with in the past charged me massive fees, largely because we were higher income and they didn't back it up with value.

Multi or Single family?