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buying a house in this market and rental for best financial out come in the future?

hello, i am 28 turning 29. NJ

can not get over some regrets on not buying a 2 family or 3 in 2019 when i had the chance but moving forward to now.

i have 200k to buy a 2 family as primary with conventional loan 15% and move out in one year then use a FHA for another duplex putting 11% down,

using my math a 575k duplex with 10k taxes will cost 120k down including closing cost, 15% down and 10k reserves.

leaves around 80k plus any future savings.

in this market with rates under 3%, have i miss the train? im tired of seeing the news stating a mini crash will happen, or prices will keep going up etc.

i want to make the best financial decision, i am almost 30! i do not want any more regrets out of fear. i have no debt and emergency fund, retirement accounts etc all are good. im looking for any help or tips that will allow me to make the most of using the funds to get as many units as possible

submitted by /u/blueeyesdragon92
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source https://www.reddit.com/r/RealEstate/comments/peidm6/buying_a_house_in_this_market_and_rental_for_best/
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