How a company then handles those situations will define how they do in the future..

But I’ll keep your perspective in mind for future posts.

Keep in mind, there are scenarios where you can use creative financing or OPM to get that duplex in the future.

Last thought (mainly for future readers), you may be talking about the 1 year FHA history if you have variable income.

The reason why this is so important to me is because within the next few months/year it is likely that there will be many undervalued assets and I need good bank (and credit) relationships to safely leverage it for any future investments.  

I've consistently written about the forces of nature and her current and future effects on the real estate market (even while often being ridiculed and politicized on this very site for it) regardless: I personally moved and invested in coastal Oregon in 2018 from Venice Beach Los Angeles partly as a result of the trajectory of climate and have assisted several clients that specifically purchased on the Oregon Coast for their own 'climate havens,' investment and future retirement homes. 

If you're open to expanding your search some time in the future, I would recommend checking the Columbus OH market.

I would go on furnishedfinder.com which will allow you to look at MTR's in your area, see what they rent for, and see how many are "available now" vs at some point in the future.

Because past results equal future results.

If that's not an option then make sure you do plenty of research into what markets have growing economies and what is driving the growth into the future.