Hey everyone. I'm very new to the game and have focused mostly on reading as much as possible before I make any moves. I've been scanning properties and analysing them for practice and to get a feel for what things are typically like in my area. I finally found something interesting enough to make me consider making my first move on but I thought I'd take advantage of this great community and have to guys take a look at it. So here it is.

2 duplexs currently listed separately by the same owner. Each is 3 bed 1 bath. 2 Blocks from a school. Fully rented

Each listed at 65k but they have been on the market for about 2 years. My plan is to offer 100k for both of them.

Duplex A

Gross Yearly Rent $9600 (1 side is 20 year occupant other side is owner's son)

Taxes $1160

Insurance $300

W/S $1900 (seems very high, need to verify)

Roof and siding 7 years old

Duplex B

Gross Yearly Rent $11100

Taxes $900

Insurance $300

W/S $1000

Roof and siding 7 years old

The rent on Duplex A could and should be raised to match Duplex B. That would be my plan anyhow. Duplex A is actually slightly larger than duplex B. So how does it look? I think it is close to a 2% property or at least has the potential to be.

Another question regarding financing. Would it be possible to get a commercial loan for the pair? Should I get separate personal mortgages for each indiviadually? What makes the most sense or is even possible?

Thanks in advance!