I have been asked this question several times this week and after speaking to property managers, developers, investors, tourists, and realtors in the area, I have found several factors that combined have lowered the occupancy, especially during summer. 1.

@Nishan Akwalia The most important factor is actually who the tax payer is for the property.

However, this wouldn’t typically happen directly because of the appraisal issues themselves, unless factors like low market rents or a lower-than-expected appraised value shifted your loan into a different pricing tier.

And the size of the duplex and bed/baths depends on the size of lot, location, and what we best feel would rent best and all the other factors. 

When a husband and wife jointly own a residence, and the husband takes out a Home Equity Line of Credit (HELOC) in his name only, the spouse's involvement and liability can vary based on several factors, including state laws and the lender's requirements.1.

Another factor that works well with US investors is that the local currently AED (Dihram) is pegged to the USD at 3.67~ AED per 1 USD.For long term rentals, its on average 5-8% after the “Service Charge” reduction.

Now, some of these answers will depend on what state that property is in, how much equity you have, and a couple of other factors...but you can certainly seek out other lenders about a Line of Credit on an investment property.  

I found out those two factors still couldn't guarantee they pay their rents on time. 

Several factors are changing in my life and I’m thinking of maybe paying down/off some loans but will have to weigh the difference between the prepayment penalty on the commercial ones.

I’ve been using the same VA service and haven't had any major issues so far, so I think it really varies depending on a lot of factors, like the market, your criteria, and how strong your buyer's list is.