Congratulations on the duplex -My investor clients have acquired several multi-family investment properties locally in the market I operate in Northwest Indiana - Figure out your personal investment objective for the next 4 years and align yourself with the next property that make sense in this current market environment-

But be careful expecting to refinance.

Must have solar, ev charger etc.My materials distributors are expecting more inflation.Homeowners insurance is still going up.I wholly expect CA residents to continue to move there (wished I'd bought there!

I'm trying to figure how you got to 45k?

but i also 2nd @Jay Hurst's sentiments - get a 2nd or even 3rd opinion on DTI/ full doc. i personally love files that are puzzles, i get some weird satisfaction out of figuring out how to make it work on full-doc, especially when my client has been told "no" before. if it doesn't work now, a good loan professional will help you create a path forward.

I feel that if I did switch to another software platform like Rentastic, I would have to get a new team, or expect them to learn a new system.What's your thoughts?

I own a duplex in Clermont, FL just outside of Orlando and initially wanted to split water meters between the two units, but the cost and amount of work were higher than expected.

I have had clients that had a quote come back 5K a year more than we expected it to come back.

@Sean Dillon figure out how to buy a 2-4 unit with FHA loan.Then rent at least one of the units long-term for stable cashflow.Try STR in another unit as well as the other bedrooms in the unit you live in.You may even consider living in the basement, attic or worse unit in the building to rent everything else out and max cashflow. 

Two thoughts - 1) We have seen the Blue areas become much more regulatory, as we would expect from that mindset...but yes, I gotta agree, I think it does cross the line in this case. 2) Not all neighborhoods resent STRs. 2 of my STRs were in neighborhoods where they were actively welcomed.