The benefits that come with them can be attractive for sure.

This attracts poor unqualified tenants because they have no option but to overpay.

The state's economic dynamism, natural beauty, cultural attractions, and educational institutions continue to draw people and investment.

The ability to use leverage to acquire more attractive assets and amplify their potential gains4.

Alternatively, OHFA's down payment assistance might work - not sure if it allows for duplexes.

I would love to hear from other more experienced in the field about alternative ways to financing that I should consider besides the HELOC, maybe also hear from investors on how the process of bringing investors onboard works.

If I create a debt fund that offers 9% interest on first lien notes with a 5-7 year payout, would that be attractive to high net worth investors?

I feel like if you dont want to spend too much time figuring out the flow then it's a good alternative.

Interest rates are going to have to come down because there's no way the federal government can afford long-term interest payments at these higher levels, and other countries are going to buy our debt even if their return sucks because there's no realistic viable alternative.

Not to mention the general PHX market has become expensive and people have already been looking for cost efficient alternatives in the northwest and southeast corners of the valley.