Duplex have different zoning that may permit additional units.

Keep in mind, though, that each lender has their own criteria for how much future potential they’ll factor in, so it might come down to some skillful negotiation and presenting detailed projections that don’t feel like puffery.Just be careful not to come off as overly speculative…lenders tendd to shy away from what sounds too good to be true.Anyway, I’m curious.. have you spotted any other investors in Gainesville facing a similar refinance puzzle and what kind of terms were they able to secure? 

It depends on a few factors: First, the fires.

ON THE OTHER SIDE, the liability and cost of fencing it in, as I would need to do, is a huge factor... 

You will also have to factor in the closing cost for the new loan.

Many of the level 1 trauma centers will likely have a need for travel nurses, but the need for travel healthcare professionals in hospitals changes based on many factors: temporary shortage of staff in a particular unit, budget, patient census, conversion to per diem instead of travel contracts, etc.

One of the biggest factors in successful flips is building a strong team: contractors, agents, lenders, and property managers. 

Not simply building wealth in additional to whatever else they have going on to support them.

Heck, some people might even pay more for the 'cool factor' of living in a 'small home'....I'd give it a go since you're a veteran of this RE stuff.

Considering doing a 75% cash out refinance > 30yr 7.45% interest rateIn what situations might the 50% Rule provide a misleading picture of a property's financial health, and when would relying solely on the DSCR potentially overlook important factors?