You would have far more trouble in that scenario convincing an auditor that some RE transactions were purchased intentionally as long term rental properties rather than renting the properties with the intent of selling them when a buyer is found.

The tax auditor is going to have fun with you.

If you don´t find these information online, then write down the parcel-number and call the auditor/accessor office.

., If auditors tag our account as too high an LTV, could we be forced to pay out-of-pocket costs on the rate reduction after the fact?

Assessed value is based off of what the county auditor has on record, and the appraised value is done by an independent third party, and done with much detail.

Bill is NOT CURRENTLY an auditor and is not currently doing this business to the best of my knowledge. 

Auditor says ok, what interest rate did you pay?  

I have found I can use the county auditor website to manually find duplexes (I have to search by street and click on the property to see if it's a duplex). 

Hello everybody,My name Anh Le, and I'm currently working as an auditor for one of the Big 4 accounting firm.

Jerry, before getting carried away with the thought of "getting them before they are listed", be aware that "the bank must attempt to get the highest possible amount for the property and must demonstrate this to its shareholders and auditors" (quote from mls.com).