That being said, with interest rates being higher now, I may not be able to find a turnkey property that makes financial sense.  

That doesn't make sense to me and I would immediately require they start paying something or start process to evict before you are further in the hole. 

Yes sir, that makes perfect sense to me.

I need to defer or lower our income as much as possible for my age 64.At age 64 a cost seg makes strategic sense, take the deduction now and not over 27.5 years, or 39 if commercial.

Wish you the best.If I was you, first step is evaluating costs associated with doing MTR and comparing with potential rental income to see if it makes sense to do LTR or MTR.

Credit checks tell you some sense of how they handle their money.

You will pay for the higher risk with higher rates and origination fees but if the deal makes sense then congrats.

Otherwise, if the numbers make sense and your credit is good, it should be easy to find a lender.

Currently have a duplex I’ve been in 3 yearsMortgage 3.65% pmt $850Tenant pays $875Heloc $30k——monthly $291The issue I am running into isRates are so high right now and it’s a lot harder to find another that will cover full mortgage.Does it make sense to leave somewhere that it is full covered to go to one that is not?

At that point you should know if the deal makes sense.