Quote from @Jeffrey Hill: There are a couple of challenges with financing the difference. 1) The current servicer has to approve it. 2) Finding a lender to do a 2nd mortgage at 100% CLTV is almost impossible.

I applaud you for putting it out there but 1) maintenance/cap ex is far too low for a duplex 2) no PM. 3) vacancy at 1% will be challenging if achieving near market rent.

Manny challenged that.

. $7k sounds more reasonable but I think setting 5 to 10 years for you and your sister to reach Financial Independence and quit W2 job (assuming you also have W2 job unless you own a business or are a real estate agent) is really challenging.

This is probably why you want to bring equity back into your US business and any other investor might make the same choice as you.I brought up the challenges to come up with the solution, which was my last paragraph.

They always make sure to have line(s) of credit to get them through challenging periods.

That said, its a great opportunity for the investor willing to accept the challenge.  

Each of these asset classes requires a deep understanding of market conditions, legal nuances, and financial structuring to avoid costly mistakes.For example, tax liens can seem like easy wins but come with complications such as redemption periods and legal challenges.

Of course, it comes with many different challenges.

If you sell, you’ll likely face a significantly higher rate on any future purchase, which could make finding a cash-flowing property challenging.