Depending on what your cash on cash return goals are, or monthly cash flow they may be more moderate, but the appreciation is in your favor if you buy in the right neighborhoods and are willing to hold for several years or for the long haul. 

I agree with Konstantin.I am not sure about CA laws (they are not very favorable to landlords from what I understand). 

Wondering if community or national banks are not in favor of lending on 8, 1 bedroom duplexes.

OR Maybe someone can share an agreement with me that is in favor of the Lender.

These are great ways to present a property to influence a favorable appraisal.

A landlord has the option to include this stipulation within the lease agreement, although in jurisdictions with robust tenant protection laws, a judge may favor the tenant's position in such instances. 

Could limit access to favorable loans and insurance on a new primary residence in the future.

More often than not, these work in the favor of investors, often those properties aren't being used at their highest and best. 

Buyers should expect more competition in the spring, but conditions overall should remain favorable compared to recent years.What if I’m a seller?

Your lawyer's concern about the due-on-sale clause potentially disrupting your BRRRR plans is valid and could lead to less favorable refinancing terms if enforced by your credit union.