I do have a supplemental income of $100 a week and do not need to pay rent at the moment.

After spending lots of time reading many posts here on BP regarding insurance, I've decided to go with an additional Commercial Liability policy to supplement the landlord policies to cover both properties.Since the liability insurance is with a different carrier different than the landlord policies I was told I will have to remove the liability insurance from the homeowners policies so the new commercial policy (3 million) will cover any liability.In general, am I giving up any liability coverage from the landlord policy that may not be covered by the commercial liability policy when I terminate that coverage?

If you are hard working it can initially supplement your income.

I own some acreage that I cash rent for grain and also have a tiny home on it to supplement rental income.

Without supplemental income you want to be more conservative, but with supplemental income you can stretch these a bit

I am using a HELOC on my first duplex to help supplement me on the second property.

There are also supplement loan features built into commercial financing that allow cash out once the property has been re-positioned.The most important factor is the profit per property...profit per unit is not as relevant. 

If you've got steam, things can get complicated, however you might be able to clean up your living area by removing the radiators and adding forced air.High velocity is a nice option if you have a finished basement or finished attic / 3rd floor.Finally, the mini-splits can be great to supplement heating and add cooling.

@Austin Janiszewski if your current primary (Property A) is renovated and will generate positive cash flow after renting, consider this scenario:Instead of selling, utilize Property A as a source of supplemental income to offset the higher interest rate environment.

As well as having supplemental income from renting out a room.