If you've owned the duplex for longer than a year and it's on taxes, there's no restriction to the income that is calculated (as in it doesn't have to zero out; it can give you income on paper). 

I know city of Las Vegas requires host occupancy but areas close by to consider to bypass some of the city restrictions?  

Hello,It's not uncommon for traditional banks to restrict HELOCs to primary residences only, as they generally view them as less risky.

It is very very hard to make an NOI of $2000 every month or an average NOI, when your general occupancy trend is like weekends and long weekends because Poconos is not where USA travels, it is basically people from close by cities of NJ, NY, PA travel here.I am not saying it is not the place to invest but if you are looking for cashflow with a 20% down with current mortgage rate, I would run my numbers very carefully.I did not touch on HOA, township licensing and restrictions specially 2 people max per bedroom and Pocono Promise :P

If you don't have restrictions you could try a STR or Mid term as well. 

If you buy a single family and say oh we could move in, you are restricting your investment.

I am having issues identifying if there are any restrictions.

From an ROI perspective, there is much more money to be made in development, or investing in the booming short-term rental market in the Southeast where laws are significantly less restrictive (particularly in North Carolina, where municipal permitting is illegal).

Also noted, most townhomes reside in HOA communities that have rental restrictions/caps and HOA fees that'll eat into cash flow. 

However, the "restrictions placed by NAR" hampered that.I recall one company tried doing that with not offering an broker comp.