There aren't a lot of duplex here that are like that , it's strange I don't really know the reason why But they cash flow great I have 2 but there both apartments style vs traditional.

Invest it in a syndicated apartment deal, and you might get a 6% preferred return ($5,000 per month) plus 2/3 of the additional profits, plus all those lovely tax write offs, plus another big kick when the property sells.

I need a small $100K loan for additional cost.

Additionally, the fire suppression system will need to be maintained and signed off every two years.

Feel free to message me here on BP for additional info.

Not a huge deal because I probably won't be selling it.Option #2:  Use the $33k HELOC I currently have and get an additional business line of credit or hard money load at a higher interest rate.  

You should refinance based on appraised value so find the bank that does this for you.Hence, my questions above regarding due diligence on real property value and additional ways to value-add to increase the properties value.I hope this helps.

Plus there is the additional cost for flood insurance in a flood zone. 

Quick notes about me: I was born and raised in NYC (Queens, Long Island) Current 2-family rental is in Queens Village I work full-time at a growth-stage technology company in NYC on their Strategy team My goals are to get 10 additional doors under my management in the next 3 years. 

The biggest drawback is the potential life style change but if you and your wife are willing to make the sacrifices, there is some money to be made.