For the record WF was the 3rd or 4th bank I had a sit down discussion with and they were the first willing to do the loan.2) I'll explain how we structured the change over from OO to the first tenant for our current move as an illustration of the process we've had success with.  

After reading "The Millionaire Real Estate Investor" the author was illustrating how the longer you have your property, the lower your % Return on Equity ((annual price appreciation + annual debt pay down + annual cash flow) / total equity in the property).

This is mostly just an illustrative example of the need to start with the desired end, and work your way backwards to form your plan ... if duplexes appear in that plan, then great.

As an illustrative example, would you be willing to go down in CoC yield from 15% to 10% for the potential for appreciation, all other things being equal (I know that they never are). 

I agree we want the property at a good price, but I feel providing optional offers could illustrate our efforts in wanting to work with the seller as a fair buyer.The issue I'm having is figuring out creative financing options to appeal to the seller (particularly subj to, seller financing).

Either I didn't clarify my statement well enough or you didn't understand what I was asking so I will try to see if I can illustrate it a bit better.

These lights became known as "idiot lights" because a red warning light, if your only indicator, does do you much good when the engine is sputtering and you're forced to pull over to the side of the road.Perhaps the Germans had these in their WWII-era warplanes.Maybe this not the best illustration, but I want to know the status of title before I close my deal.

Correct ... perhaps an illustrative example would help: Let's say you bought a house for $100,000 cash, and let's say that you happened to time the market very well (probably luck) and in one year the house went up in value to $110,000.

Although mortgage payments should not be included for Net Operating Income (NOI) purposes, I've put it in here for illustrative purposes.

Here's a question to illustrate how new I am to this: If I put 20% down on the second house the loan for the second house wouldn't have to be an FHA loan right?