I’m not a fan of month to month, nothing wrong with it, I just want a long term commitment.  

Then they might tell me I did wrong. 

A duplex seems like a good place to start, but I could be totally wrong and I'll happily take suggestions from anyone on here.  

Am I wrong ?

I'm going to start by apologizing if I have posted my question in the wrong spot.

In Ontario they take half a months rent for commission I believe (could be wrong about this).In terms of moving the tenants in and out for an out of province property I'd consider installing a lock with a passcode you can change digitally, that way it's as if you have a permanent lock box on at all times & you can ensure security by changing the code from time to time. 

Now with 20% down as an investor - that’s only assuming the app is filled out a certain way or am I wrong?

There is a right way and a wrong way to conduct business. 

Correct me if I'm wrong, but it looks like your loan is based on capital/closing costs, subject to appraisal; rather, refi would be based on LTV.

@Carl Fischer that is my main argument, because we are just starting out we don't have anything to lose, but she is concerned that since we are going to be living there if something goes wrong we could get sued if we can't fix it in time.