Based on speaking with them their, I paid a rather hefty fee to transfer my solo 401K to them and have it reinstated and the fee covered this plan for 6 years. 

They cover the counties with online access to public records (over 2200 counties). 

While real estate values do rise over time, if you can't cover your bills during the downturns to get you into better times to sell, you are likely to lose money.  

Thanks they didnt say anything about STR it would be awfulI was wondering how they make money now i knowI dont think the $10K would even cover damage!

Living in one side and renting out the other will help cover your mortgage, and after a year, you can move out and keep both units as rentals.

Another note on construction cost, going vertical is very expensive now and would require have a great connect with a developer and a builder in the area.See what rents are in the area and run the numbers to ensure the rents will cover your costs and give you a solid return—using the 1% rule can help.

I am based out of the Santa Rosa Century 21 Office but I cover all of Sonoma County and beyond.My very first purchase was a Duplex where I lived in one unit and rented out the other for rental income.

What I mean is, some investors look strictly at cash on cash return, some look at cap rate, others just want to make sure their mortgage is covered.

Real numbers- purchase 907k,rehab , closing costs, soft costs, 840k, all in 1.747 mil, basis for each unit should be roughly 291kappraisal of each unit minimum 400k , so 2.4 mil if for all 6.I might refi only 4 out of 6, that will cover initial loan amount.

Multi Family is much more heavy on the income numbers.