We have the added complexity of student rentals that locals would like to outlaw.

Elizabeth, I've kicked around the idea of student housing in locations near where my sons are currently going to school. 

Most college students (even grad students) are used to living in condos/townhomes with roommates & you can even get plugged into the university's "off-campus" housing list to market your rental.

And a lot of start-up companies are migrating to this city as well, because of the efficient costs of living, the OSU campus that has thousands of students graduating and looking for jobs locally, and the availability of land.

Have you talked to a local student face-to-face about their experience?

And a lot of start-up companies are migrating to this city as well because of the OSU campus that has thousands of talented students graduating and looking for positions locally.

Hehe, my son is a grad student at WSU in Pullman, WA.I am wondering how things will shake out now without the PAC12.

Also if you have a college around you may find a special posting site, ours has one just for grad students. 

Depending on the exact location of your duplex, this could be an ideal opportunity to rent by the room, particularly given the area's demand from hospital systems and Case Western Reserve University students who are always on the lookout for housing.

For example, we mostly do student rentals in Eugene, OR and the banks lend on the appraised value but take the total rent (which is by the room) to account for DSCR.If you're asking about a DSCR lender who lends on income and doesn't look at appraised value, I can't help you there unfortunately.