These will be LTRs and I will most definitely be playing the long game with these.In addition, as rates go down in the future (hopefully) I plan to refinance as most of us do.

A cash-out refi isn't really appealing with the rates and I'm locked in at 30 yr, 4.7% currently.

Basic stuff like LTV, NOI, cap rate, etc...There are a few report types missing and you can't split expenses yet.

. - 30 year fixed terms - Usually have a Prepayment Penalty from 1-5 years, although you can price out a 0 PPP for a higher rate or fee- Minimum Credit score is 650 usually, although you could do a lower LTV loan at 620. 

The rate the manufacturer offers is 4.8% which is why I am going through them.

You can learn a lot about areas and rent rates without asking a PM so explore that first

Congrats on your success in acquiring the duplex that now will yield 6.5% cap at current lower rental rates. 94115 is a great zip code to be in.

Renting out a room is a great way to get started, and I wouldn't get too settled into the "going rate" use that almost as a floor. 

HML rates are currently around 11% plus a few points.

The real estate market has shifted dramatically in recent years rising interest rates, evolving buyer and seller expectations, and fluctuating property values are keeping all of us on our toes.