If your agent isn't knowedgable they can over or undersell you and that will affect your costs.An umbrealla policy was reccomended to me by my agent (a family member) and in general I think it is a really good idea and usually a  pretty cheap option for risk mitigation.I don't have a specific company to reccomend but hopefully this was helpful.

I have a few single family homes that i purchased in the past couple years that i did this same concept on with purchasing/financing, remodel, and refi, but want to know if there is anywhere i can do the 80% LTV on a duplex.

your asking for 100% funding and that is rare to the extreme most fokls that get this funding do so from family friends or very close associates that know like and trust them. 

@Chance Covan I’d buy a small multi family and house hack.

The complaint was that we gave an apartment to a family and not her (single person). 

Next, reach out to friends, family, etc.

If a Cost Segregation Study had not been performed on this $595,685 single family home located in Miami, FL, it would have had first year depreciation of approximately $22,000.

I have 3 single family homes in LTR leases in the Grand Rapids area.

Looks for single families in RM1 zoning to convert to multifamily 

We live in 1 unit and will rent the others.The issue at hand is that one tenant has/had a verbal contract with the previous landlord (they are family).