Yes ,Nov/Dec is a slower time especially in colder regions but it sounds like you have been on the market longer. where is it located? 

So you can consult experienced people of professionals for a real estate services from Toronto , so that you would get the best result.

Check around at your regional credit unions.4.

@David Vander Pol you’ve got a national forum for something that is very regionally dependent, you’ve just got to figure out what works best for you in the area you want to invest in.Although I think the advice that Brandon gives to just sit down and analyze deal after deal is really good advice.

The D.C. region is one of the best real estate markets in the country.

Go to the places that you'll be operating in and ask regional banks and other direct lenders what they currently require. 

Prices vary by contractor and region.

Again, maybe this is a regional thing.  

There is no correct answer since a duplex in different regions of the world have different cost of ownership.With your credit scores, and the $10k down payment I am pretty sure you can get financing  for this deal.

Furthermore, you can always combine two disparate data sets to paint a unique (and ideally unseen) picture about a region.