My view is there is more protection on a wrap than a sub to and with the right disclosures and underwriting can be an alternative option. 

Assuming you go the HELOC route, another option to reduce your costs assuming you have decent credit is to look at credit card balance transfer promotions.Back in 2003-2004 I had HELOCs on my investment properties and interest rates were increasing.

There's zero reason to do this when there are plenty of options to avoid it. 

A duplex is a great way to start because that renter will help with your monthly out of pocket costs and it's a convenient way to get into real estate investing.

Welcome to bigger pockets!

It’s all good now and this was just a question since it related to repairs but ended up being a seller credit instead of my coming out my pocket to do repairs.

Hello Bigger Pockets Community! 

That should cover 2 rental income periods, returning $660 to your pocket.

Keep more of that hard earned money in your pocket. 4.

Given Denver’s high price point, out-of-state investing could be a great option, and reading Long-Distance Real Estate Investing is a smart move.