Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.

looking to make an offer

I now also offer limited service where I do the guest communications, marketing, and pricing. 

For future readers, many banks will offer an unsecured line of credit up to $25k.

However, rezoning now could still offer some advantages depending on your long-term goals.

one of my clients that has a pretty big PM company.. had a unique way of doing this.He offered 50% of the first months rent or 500.00 minimum.. he would have 4 or 5 agents at the weekly meeting handout the list of vacants .. each of them would go place a sign in the yard and first come first served.. he found that potential tenants would call the first sign if no answer they called the next one until finally someone answered.. it worked pretty awesome for him. 

@Emily ShinHouse hacking a multi-family property is an excellent way to start investing in real estate, especially in a market like Columbus, Ohio, which offers affordability and growth potential.

One huge benefit of a private/HML loan is the strength of making an offer when competing with cash buyers.

I added a couple of different offerings with them earlier this year as well. 

The markets offer low to medium gross yields that max out around 7% if you buy in todays market.