But 25K / unit ARC seems to be very easily findable, while 20K ARC / unit is feasible with a little creativity and "right place right time-ness".

And an applicant who has a wage earning job could just as easily get fired and lose their income too.

Currently O/O bringing in rent for the first unit at 60% of the PITI [and pmi unfortunately] (easily worth 75%, but I was bleeding money after sitting empty for 4 months.)

@Nik Parks, I could easily spend 10 minutes describing how I feel wholesaling is unethical as well.  

Unless you can afford to rewire...if you have an easily accessible attic or crawlspace it can be not too expensive...

Thinking positively too easily becomes thinking over-optimistically.

The proliferation of the fallacy that you can be an investor with no money and flip houses easily is what is being offered by "gurus" and "coaches" as gospel when in fact these new people are investing in the guru and not themselves when they hit dirt like this one.

HOA would easily eat into your cash flow / profit, or sometimes you have no control what would happen in the decision making. 

I'm now closing on my first rental, a SFH in the Golden area, which I'll be househacking and turning part into a type of ADU so I'll be separate.I know you're asking about duplexes but I quickly learned SFH appreciate more, typically are on nicer streets, are easier to sell of need be, and there is opportunity easily to cash flow with a rent by the room strategy.

The following bullet points paraphrase those comments:We want to avoid an unforced downturn by overtighteningIf we wait to see lagging variables like unemployment and inflation return to a steady state, we could easily overtightenWe are starting to see the economy slowingWe are now in a stage where we need to be thoughtfulA slower pace of rate hikes should be considered at this pointAll of the above is very important because it suggests the sentiment exists among Fed members to begin to consider a rate-friendly shift in monetary policy.