Trying to learn as much as I can and narrow down what market makes the most sense for me.

Given that info, I would think it makes most sense to quickly do a delayed financing to recoup most of the initial investment, or if I am wanting to get back some of the renovations and such, I should wait the 6 months and do a DSCR cashout. 

Hello Team,I am  looking at my outstanding credit card debt which is at ~25k would it make sense for me to consolidate this debt to a lower interest loan? 

Long term hold, would do anything that makes sense but long term goal of multifamily!

Here’s how I’d approach it:For the 9.5% Loan: Refinancing into a DSCR loan makes sense to lock in a lower fixed rate, especially if your goal is stability and better cash flow.For the 7.25% Loan: If the local bank's investment HELOC offers a competitive rate, consider it for flexibility.

Quote from @Carl Rowles: That makes sense.

This is why you don't see a bunch of national chains near main street- numbers made sense compared to other regional destinations (Gulf Shores, Smokey Mountains, Galveston, ect.)

For the reasons stated above, it made sense not to advertise the loft as a bedroom because there's no door and considerably less privacy (we do have egress via large windows).

I'm not familiar with Detriot, but it looks like Cleveland would make more sense in the 150k price range 

If the numbers make more sense on the 6 unit, then maybe look into selling your duplex and doing a 1031.