To qualify for a commercial mortgage, lenders will typically require all the signatories' combined net worth to be equal or greater than the balance of the loan, with 10% of that in cash.  

@Tadek Stadniczuk, there are several commercial insurance policies out there that can give you a lower cost per location, but you would most likely have to combine this new duplex with the other SFR for it to make sense. 

Good on you Steve.... the refi to you die mantra has gotten many folks in trouble.. there is absolutely nothing wrong with free and clear assets.. sleep well live well..... its one way to really scale up when that big deal comes in. .your balance sheet looks super strong.. your banker see's you have a combination of TRUE equity and your not leveraged to the hilt.Its the same concept of paying off 15 to 20% credit cards.. for me perosnally with auto loans at 2% no need to pay cash for those like I always did the last 30 years... and for personal resi with 3% money no need to pay that off although my LTV s are all under 50% and I always have that 500k of tax free I can tap if I want to decamp to retirement land..

New fridge due to what can only be described as a  Petri dish combined with a bug  super hotel.

Residential Code of Ohio Table 302.1 requires the common wall for two adjoined houses on separate lots to be 1 hour fire tested in accordance with ASTM E 119 or UL 263 with exposure from both sides, for each house; total combined fire rating of 2 hours.

If you're looking to get a good feel for market rent, what I would do is a combination of these things:1.

I told the loan advisor that me and my wife’s income combined is around 90k per year, and my income on its own is 55k per year.

Maybe I'm wrong but I don't know any modern legal system that allows such a thing.

I paid $1250 combined for two unbuildable vacant parcels with soil stability issues.My marketing budget is private and my methods are proprietary.

Indianapolis is a great market not just because it cash flows well but it has strong economic/demographic trends such as a growing population, growing jobs, a modern economy with a diverse employment base.