@Michael Benanti I have it and have used it for analysis but I prefer the BP calculators.

It seems like you would prefer the easiest and quickest way out.

I didn't understand why I could not get my money out of a free and clear asset. 

Jerryll is very direct which I prefer.

Just because the costs might be in the furture does not warrant not budgeting for those known expensesThen there is the misc costs of asset protection, bookkeeping, unexpected utilities (such as between tenants (tenant turn over) or failure not attributable to the tenant such as slab leak).  

That said, I prefer Chase since they have all the functionality you’d need. 

But if you're willing to take a tiny leap of faith, I think the returns are solid, the diligence and the integrity are there, and the states/markets/submarkets and the asset class are thumbs-up.

Typically, we steer away from pet deposits in preference of pet rent / fee.

You can also do this on a refinance.Else, you can find private money, take out a HELOC if you have a lot of equity, go hard money and then refinance after, or see if your preferred builder offers financing.

Preferably a duplex.