I have talked to several borrowers recently that took out 5 yr PPP DSCR loans that could easily refi and save 200+ a month if they did not have the PPP.

That low interest rate is gold, and as rents in Stockton are still climbing, you could achieve positive cash flow relatively easily.

This approach can help you secure funding more easily without the need for traditional income documentation.

Noone here can give you any legitimate response without knowing the answers to those three questions.If you paid 1.6 million and put down 25% and now owe 1.2 million and the duplex will be worth 2 million dollars when its complete, then you can easily get a hard money lender to lend you on the property. 

Those are traits that are often internal to someone - not something you can easily coach.Often what I hear is that you should start off by owning your own home... and let that be your first investment.  

.--- The tenants just won't cooperate:Yes, you can try to get in with a Legal Entry, but then they can easily sabotage the showing by:----- Being rude----- Keeping the house dirty (or worse)----- They can keep an aggressive dog in the house when they are not there----- They can deliberately leave an unattended minor alone in the houseYour current PMC should be taking the time to address and explain all this to you!

I suspect that we will see each of those at play as factors in wins and losses for investors in the coming years. 

This why I can so easily say NO, if it were '08' all over again NO, 99% of you would NOT be buying like you lament and promise if ya just had a chance.

I’m assuming most of you are going to say BP for deal analysis calculator, but curious what you are using to easily find comps for ARVs, etc. 

It can be a great win-win, simply by bisecting the property and hosting operation.