I have little credit built up, so I am wondering how I can get a loan from the bank or a third party lender.

Others have built rental empires.

What is your story of how you built wealth?

I contacted State Auto, and they initially said that foundation issues were covered and provided terms and conditions for that.

I am buying ones with built in LED lights.

Identify high quality opportunities (homes with good foundations and structure that will last 30+ more years)4.

I've raised millions of dollars of capital and built a $16M portfolio without ever having to do a complicated syndication.3.) 

Build the foundation from the beginning right and the castle you build will weather any storm. 

Are they built differently to account for the weather changes?

Yes, you can sell it.Sometimes Peoria will grandfather a duplex and refer to it as a "legal nonconforming" single family zoned property with duplex as permitted use.If this is the case the new owner will be able to legally and officially use it as a duplex.I have also heard of people finding an architect to declare that the house was originally built as a duplex, which would help you get it rezoned as multi-family and duplex as permitted use.PM me for more info.