if so where do you market your listing? 

Quote from @Erica King: I like the concept of duplex and 4plex . so I could stay in one.

i fyour getting paid off when the vertical loan goes on.. then your in first position . so not sure what the issue is? 

Shorter term CD's actually have higher rates than longer term so staying in the 3-6 month range is best.  

I was the agent, so I recommend myself for all your southwestern IL investments.

Hmmm @Jonathan Snider, so what are they saying is "normal" for the interest rate?

It seems like there's a lot of opportunity right now in that SEPA and South Jersey area (I'm on Long Island but have worked with folks who operate down there), and you're setting yourself up with smart partners, so you're ahead of the pack here already.I do have a good relationship with a strong commercial brokerage firm in that area, let me know if that would be a useful connection for you.

So over the next year, assume interest rates are going to drop in 6 months to a year.

Frisco might be the new downtown, so people living in Frisco probably go to Frisco for shopping or events. 

If so, what tools are you using?