Got the first duplex by living in one side renting the other.

Did you know Odessa has been one of the top-performing rental markets in the U.S. for mid-sized cities due to its oil industry?

I spent too much on the remodel so I will be leaving some money in the deal but am holding long term and the cash flow will be great once we move out of one of the units.

One is for the main house, one is for the ADU, and the last is for me to store my boat.  

You can pass it on to the tenant or you can pay it. you should be following what every one else in the area is doing.

It’s been consistently ranked as one of the best places for rental yield! 

What a great analogy lol Not decided on that strategy, just researching about that specific one.The main reason was because a land trust can be a co signee on a conventional loan and can help with transferring the conventional loan to an LLC later one without triggering the due on sale clause

I have one at 15.375 with no origination fee.

You're in luck because Cleveland is actually one of the best investment cities in the U.S for cashflow and has lots of great BRRRR and fix and flip opportunities. 

One of my criteria for investing is not to buy in any area where I would not feel comfortable sending my wife to collect rent in the dark.