2) If you do owner-occupied cashout refi for best rate, you technically have to live in the home for 12 months before renting it out. * Some responders here may suggest not worrying about that and renting it out anyways.

Where to get the most recent and accurate data for things like:Unemployment dataPopulation growthJob diversity and top employers in the areaVacancy rates (eg huduser.org)Property taxes and jnsurance costsI saw bp pro and reventure and a bunch of other websites provide some of this data, but i wonder how accurate and recent it is.

If rates come down (most likely not in 2025) you can refinance or just shovel cash-flow and pay it down quicker. 

Has anybody dealt with Investors Edge and gotten 100% financing after paying $3995 membership fee?

White collar professionals, higher education rates.

With me not being on the duplex as a co signer it is rasisijg the interest rate 2% higher than what the average rate is or has been going for.

@Orlando Johnson- If you were going with 6% real estate agent fees the $12,500 number is incorrect. 

You'll want to look at their reviews, how they safeguard your funds, understand what their fees are, and how responsive they will be to your questions (do they work 9-5 only). 

I think about this often, its really just running the numbers - if you borrow 100k at an 8% interest rate, will the investment get you more than an 8% return?

Credit (loans) become much more difficult to obtain and if available you pay a MUCH higher interest rate with a much higher down payment requirement2.