How big of a 2–4 unit you can buy depends on the self-sufficiency test.For triplexes and quads, FHA requires the self-sufficiency rule, meaning:75 percent of market rent must cover your mortgage, taxes, and insurance.In many markets, that limits how expensive a property you can buy unless rents are unusually strong.For duplexes, this rule does not apply, which is why most house hackers start there.3.

What to Look for This WeekBig week ahead:Tuesday: JOLTS reports for September & October (job openings)Wednesday: Fed decision + press conferenceThursday: Latest jobless claimsThese reports shape expectations for January and beyond.Technical PictureMortgage Bonds are trading between support at the 25-day and 50-day Moving Averages and resistance at 101.32The 10-year Treasury yield broke above 4.126% Fibonacci resistance, and now has room to climb toward the 100-day Moving AverageStronger bond performance → better rates.

Quote from @Andy Gonzales: Hello Everyone,Reports suggest 2025 could be the worst year for U.S. home sales in history, with buyer activity dropping significantly.For those actively investing in real estate — how are you adjusting your strategy in this unusual market?

Both situations may trigger a short-term flight to safety, nudging yields and, by extension, mortgage rates, slightly lower.Labor Market SoftensThe US job market continues to show signs of cooling.

The 2-year yield eased to 3.60%, reflecting modest risk-off sentiment and anticipation of delayed economic data releases.

At a high level, the “right” area and property type for passive cash flow in that range is going to depend a lot on your tolerance for older properties vs. newer ones, how involved you want to be with management, and whether you’re open to being a bit farther from the core for better yield.

Very unusual but if the most current state lease is not used then the lease agreement is void and the landlord is liable for that.

Thanks,Daniel Williams The notes you reference are institutionalized or maybe scratch and dent loans which are selling at around a 7.5% yield +/-.

It would be unusual for you to have 50/50 structure but allow someone else to use 100% of the depreciation (or whatever the breakdown is). 

The 10-year Treasury yield is holding under its 25-day MA — if it slips lower, next stop is 4%, which would be rate-positive.