Unfortunately the credit score is based on the current score, not your "after I've paid off my debt" score, so you would need to raise it by at least 10 points.If you can build another duplex with that cash out, you would be up to 6 units and be in commercial loan territory.

They're very territorial and will bid up the price of the property so you won't ever come back.

Anything over 30 days in Seattle and you're in "I have a tenant that I can NEVER get rid of" territory.  

This may be a common, but this is our first rehab so I feel like we are in unfamiliar territory.

Increasingly this has lead prudent investors to consider expanding their territory or geographical location for opportunity.  

First order of business, imo, is to decide if you're going to delve into hard core rent control territory like Oakland, Berkeley and SF.

I have had some ideas; identifying a new territory for flipping and develop necessary relationships to start bringing deals to the table, look for rental properties in KC to diversify our investments, focus on CO to find the right deal when we have the right amount of capital. 

While adding an ADU can often jump your SFH into duplex territory for appraisal purposes, there's steps in between that could hold you up or cost you more money instead of buying something already built. 

I"m pretty sure requiring a social security number crosses over into discrimination territory here.What ID can she provide?  

 That hood is Geer Gang Crips territory, I would pass.