My husband and I are under contract for this home in Decatur, GA, way below market, ($285K) includes independent basement rental with lease through December.

Try looking for an independent insurance agent that handles a bunch if insurance underwriters.

At the end of the day, your balance sheet shows money in and money out, but you should also keep in mind long term worth (equity) vs non equity (renting) I think you will find that independent of the market it's going to be pretty dang hard to cashflow on a duplex, especially when you're living in one of the units, as others have mentioned.

The last thing you want to do is pull it out, then get audited and have to pay the penalties and taxes.

Check out Independent Bank on 620 in Lakeway.

Ask for audited financial statements from a independent accounting firm that you recognize the name of.

However, the eventual goal is to become financially independent which is what lead me here to this amazing entrepreneurial forum.Where I want to go: I want to generate constant streams of passive income as quickly (but also as safely) as possible.

My plan is to BRRRR my way to financial independence in the next 3-5 years, first single family - later multi-family.

During my initial research, I did narrow it down to neighborhoods such as Independence, Raytown, Ivanhoe and a few other areas.

I'm working with a local independent bank rather than a broker this time.As to whether I got a good deal from the brokers on the 7 or so loans prior to this one...probably right.