Small multi-family — duplex through six-unit block — remains the most accessible entry point for first-time real-estate investors. The math is harder than it was in 2018, but workable.
Target gross yields: 7–9% in major metros, 9–12% in mid-sized cities with rental demand.
Watch for cities where the rental ceiling is climbing faster than ownership. Abuja, Port Harcourt, and Ibadan all fit the pattern this year.