@Jacky Fan Here is some more information on whether you can 1031 a personal house:https://www.1031exchangemadesimple.com/personal-residence.ht...The general theory seems to be that if your home wasn't used for investment purposes during your ownership, then 1031 doesn't apply.  

Quote from @Vivek Kumar: I see inquiry for car loan but there is no actual loan or payments kinda 50/50.....if you live a debt free lifestyle, you wouldnt even want to apply for a car note

@Jordan Moorhead Agree that CAP rate doesn’t apply to duplexes.

I can see how this might not apply the same way in high priced properties  but down in the cheaper properties it matters a lot.

Plan either way would be to self represent (with a little help) and apply commissions towards closing which is why I referenced being an agent as well.

Whatever that lender's requirement is, that is what they will require2) If you want the best favorable terms, apply to 3-6 companies - make sure you have a mix of mortgage broker, local credit union, and a mortgage bank.

What are some important things to ask and look for in a multi family that might not apply to single family?  

Same types of rules apply in that this would not be a "traditional" style loan. 

Investors receive % annual cash flow, increased deprecation benefits, refinance distributions, with long-term generational returns.Since they're focusing on multifamily units here in California I don't if it would work for you, but applying the same equity harvesting strategy is gold, imo.Congrats on retirement btw!!   

I am currently reading "Long Distance Real Estate Investing", by David Green (published by Bigger Pockets) and decided to apply some of the analysis to a currently listed deal on NORADA.