While you are renovating, your percentage is going down, then you rent higher and it goes up.

My instinct tells me yes if I can find quality properties at my price point, but that there could be some benefit to putting it all on one potentially more reliable/higher quality structure. 

The state i bought in apparently had many companies bail in the last 2 years and insurance was way higher than expected4.

The people maliciously destroyed the property.Maintenance costs are much higher due to the tenant knowing that any damage they do, the owner will be forced to repair due to the inspections.

However, the lender will consider the rental income from the other unit when calculating your debt-to-income ratio.Here’s what you need to know:- **Interest Rates**: You might not have to pay higher rates just because it's a duplex.

I assume the rate on DSCR loans are slightly higher than traditional financing or home equity loans, is that correct?

That way you're not locked into the deal without getting an estimate and if the rehab budget comes in higher than $65k you can easily walk away- make sure the assignment says EMD is refundable if you do decide to walk.The 70% rule is a great rule of thumb.

Then I could start purchasing regular investment properties.Option B: Find an investment property first (higher interest rate) that pencils out while continuing to live in my condo, and then find another primary I could “trade-up” for with my condo, where I could eventually use it as LTROption C: Just focus on finding investment deals that pencil out at a higher interest rate with existing cash, and when I eventually move out of state, sell Condo.

This can be useful if you want to keep growing your portfolio without being limited by personal DTI or income requirements.That said, here are a couple of things to keep in mind:DSCR Loan Terms: These loans often have higher interest rates and different terms compared to conventional mortgages, so it's important to assess whether the potential benefits of restructuring the loan through your LLC outweigh the cost of refinancing.Asset Protection Plan: Even if you refinance into a DSCR loan, make sure to have a solid estate plan in place.

Much of PA is 2% transfer tax USUALLY but not always split evenly between buyer and seller and some places have higher transfer tax.