We can't afford to not be pricing right with the significant double-digit increases in insurance and property taxes, especially in Houston.Decentralized Service -- I realize this is done to be more efficient/cost effective but it's more than quadrupled the time it requires me to "manage" them/PM. 

For your own safety and to convince a lender, don’t buy this property until you can clearly explain why.

@Arthur Luay At age 40, if your goal is to save for a down payment on your first long-term rental, the best option depends on your timeline and risk tolerance—but here's how each choice stacks up: A savings account offers safety and liquidity but earns minimal interest.

Set clear lanes now: respond fast to life‑safety and habitability issues, batch non‑urgent cosmetic items, and push back on tenant‑caused or convenience requests.

If flipping/doing repairs yourself, plan the scope and budget conservatively.Ongoing: Build a team: agent experienced with 2–4 units, a mortgage broker, a general contractor or handyman, and a property manager (if you don’t want to self-manage).6) Practical tips for a single momPrioritize safety and stable tenants — vet renters carefully.Start with properties where one unit can be quickly rented to cover mortgage while giving you time to settle in.Ask about owner-occupant mortgage options that let you use rental income from other units for qualification (lenders often allow some projected rent to be counted).Consider partnerships (family or trusted partners) only if you’re comfortable and have clear legal agreements.7) ResourcesFHA multifamily rules (owner-occupant 2–4 units).

Ideally Health & Safety or Rents & Profits in CA, TX, AZ, NV.Thanks in advance!

Starting with a duplex is how a lot of investors build wealth — you live in one side, let the other help pay the mortgage, and still keep a safety cushion from your savings.

Digital lease signing and tenant screening4.

My tenants are often female, and they usually prefer being on the second floor for additional privacy and safety concerns.

Rule of thumb: if life-safety, code, or permits are involved, hire the contractor; if it’s cosmetics to get rent-ready fast, a reliable handyman is fine.