Looks like you've gotten some good responses, unfortunately that's the risk of non investor friendly lenders. 

It sounds like your current property manager may not be marketing the rental effectively, and the fact that it's listed incorrectly as an apartment instead of a duplex could be turning off potential renters.

Dover seems like a great town with solid investment potential. 

That means creating a clear budget, forecasting cash flow, and maintaining a detailed financial model that tracks both the current and future performance of your portfolio.Tax Optimization & Risk ManagementBeyond financial clarity, strategic tax planning and risk management are essential to safeguard and grow your real estate investments.

This puts your family’s home at risk and is unfair and irresponsible, in my view.The claim that “hard money loans for existing deals are difficult to get” is simply not true.

I own two properties there, but insurance costs have skyrocketed.Lately, securing home insurance has become increasingly challenging due to the high risk of hurricanes, flooding, and other factors.

He dismissed SB1079 as impractical and not worth the investment, mainly due to the lack of a centralized system for tracking auction dates.Despite this, I still believe SB1079 has great potential, and I would love to learn more about how it can be applied effectively.

Multifamily properties (2-4 units) can be a great way to build your portfolio while minimizing risk—especially with FHA or conventional low-down-payment options.Also, networking is huge.

At the risk of sounding too dramatic (but I know us on BP can get extreme to reach our goals), I am going to NOT get another residence.

Detroit offers solid cash flow potential, a relatively low barrier to entry, and the market fundamentals are improving with a growing population and significant investments in the city.Since you’re based in upstate NY, Detroit is also a quick and easy flight, making it easier to visit and get a feel for the market if you’re considering out-of-state investing.