I assume you mean that unemployment was 5.7% not 22.2% haha, but are you just talking Pittsburgh Metro, or Allegheny County?

If you go to your counties property appraiser website, you can find the process and forms.

Hey @Paul Stern, I host the New Haven meet-up monthly, and invest in New Haven county, I actually just completed my first successful BRRRR on my own, tenants moved in yesterday.  

We intake county record updates daily.

This is one of the most common challenges in the LA County community on BP.

In 30+ years we've been sued 1x (legal blackmail over a tenant's drunken trip/fall) which the insurance company settled for $1,500.00).We've been using some privacy tactics to keep our names off the county recorder and the target off our backs.Further, we review our insurance coverage and premium annually, just to keep on top of any changes.As with all insurance, it seems to be a waste of money... until you NEED it!

Before you get too far, get with the city/county and make sure everything is copacetic. 

You can probably just go ahead and live in that 5th unit, but I believe whenever you go to refinance it with a bank or what not, the 5th unit will make it require a commercial loan and not residential regardless of what the county records show the property to be. 

That's not exactly an up and coming area -- I'd research who built them - can likely find that by going to the SG County Recorded Docs site or by seeing who pulled the permits during const -- Wichita has been on a duplex building boom -- look at the tax value -- They probably have that or less in it on the build - I also doubt they were built to be quality long term -- things such as the trim/cabinets etc -- they all look like the cheapest stuff a guy could buy - if the cabinets aren't oak and there is MDF or pine trim and pre-hung doors with engineered wood jams I'd run.  2-3 yrs ago for $180k -205 or so you could buy duplexes in Maize, Kechi, Valley center all day to builders that were selling them off to investors - not worth that in that area.

I believe Alexandria city allows it but portions of Fairfax county do not allow it. i would go option 1 personally.