If all of them have a garage and yours does not that will either put you at a lower ARV then what you thought, or a longer time on market.

That's a tricky one.

So I put $1600 on a credit card for a down payment and then pay $500 a month until the full amount was paid off.

What is a goal you have as you start learning about RE investing?

A post on recapture.People are concerned about recapture when they cost segregate their improvements and for good reason.Recapture is real, and those deferred taxes will need to be paid.But fear not!

@Landen Amann, you're referring to a 1031 exchange. 

The layout also has the possibility to convert to a duplex in the future.

I would suggest going to the find a lender tab here on bigger pockets to find a local lender who has the same products. 

Most important is not finding just a title company but a really great agent within that company that you can build a relationship with!

Also, providing value to others at a high level will pay off for you in the end if you stick with it.