I'd also like to add in the rental income, my current wage and all other general deductions, so I can get an overall sense of where things will end up.To make things even more complicated, I have an owner-occupied duplex.Has anybody found a service that allows you to do all of this reasonably easily?

This is a career change for me as declining health (cancer survivor with ongoing complications) may cause me to need to have a job with greater flexibility.

Since that is a complicated answer, I'd like to ask instead for ideas about a process I can use to narrow down my location.

Adjustable rate loans are more complicated, the terms vary with the index, interest spreads, floor and ceiling rates, call features, I could go on but you get the idea.Then there is your personal needs side, how long will you hold a property, use of funds, long or short term goals, different loans fit different needs.

Once you pass the 2-unit threshold in R-4 it gets much more complicated as you trigger various requirements (i.e. need to provide 1 parking space, 2700 sf lot, etc), all of which you will need to go through the BZA process to get an exemption from having if you don't have it already.

Don’t complicate your plan.

It is a bit complicated.  

Hey guys,As I get more serious about bigger (and more complicated) investment opportunities, I'm trying to figure out how to structure my team.

If on the other hand you have no belief your are right or that the courts will not support you then a investor cuts his losses and pays the crook.It is a surprisingly simple decision complicated by a individuals lack of confidence or resolve. 

I know it does A LOT of work for a free program, but it seems like in their efforts to make budgeting foolproof, they've over-complicated it.