I decided to look into an official duplex or triplex putting 150K down that has value add with renovations and potential unit add but it wont have as much equity because it will be an on market deal. 

I fell off the wagon when I saw a bullet point that indicated all second story apartments have an elevator and their suggestion that it was possible to get 1000% Plus Potential Cash-on-Cash return in the 1st Year.Where has SCDC built?

.- Owner must sign a Hold Harmless to indemnify us against any potential tenant lawsuits relating to the work their contractor is doing.--- Another lawsuit resulted from owner's contractor taking down basement handrail to get supplies down the steps, then they didn't put it back and tenant fell down the stairs.- We also negotiate a reasonable completion date, depending on the Scope Of Work (SOW). --- Who gets all the phone calls and wastes time calming a tenant down because the owner's contractor doesn't show up as scheduled after they took time off from work or a 3 day job takes 3 weeks?

Use tools like the VA loan for house hacking and your Basic Allowance for Housing (BAH) to cover living costs while building equity.

The mistake could be costly.

Here is an example of what it costs you to avoid professional advice.

A second STR in a market with year-round cash flow potential might balance out your portfolio and give you more consistent income.

A reason in all markets to potential keep at this time is that you may have significantly lower interest rates if the purchase was done no later than q1 of 2022.  

It’s definitely smart to evaluate the tax and cost implications of your funding options.

Just say no.I would almost never do this trade unless all my downside, including potential unknowns, were completely compensated for.