Some other factors to consider - How long are you planning to hold this property?

The term Certified Broker is intentionally deceptive in my view. 

Owner-occupied commercial properties generally get better interest rates and terms when compared to pure investment properties. 

I'm looking to finance the project long term in a way that is helps me create positive cashflow.

Just in case.Ultimately whatever correlates with your future plans but a solid way to build long term wealth.

All the math works as long as it works, but sometimes life interrupts your equation.

I have owned so many properties in NY that were long-term rentals and it is renter-friendly, but if you choose correctly, you won't really ever care.Meetups are a great way to add to podcasts and books.

If its not someone you know the lender will dictate the terms.

Hey @Raven Ye Mahar, so you should call the city and make sure but if you are renting it long term, you shouldn't be on the hook for any of the occupancy taxes.Nashville has a STR Occupancy Tax - https://www.nashville.gov/departments/finance/office-treasur...In the end, I would just call the city and get the deets that way. 

Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.