Just cash your checks.As for an up charge due to the additional occupants; charging additional rent for his girlfriend & child would fall under familial discrimination.

We were actually wanting to buy a duplex with it this second time around but the bank was telling us that we’d need 20% down on each additional unit being we wouldn’t be living in it.

We would likely have to add additional egress point for the upper unit via a deck and some stairs. 

These are just some practical questions in addition to the wise "temperament and personality" issues mentioned above.  

(Did you have a contractor look at the building[s]) Are you taking out an additional loan for that? 

Now the house is paid off we are finally seeing good cash flow, but we also are realizing now, that instead of having had our tenants pay the additional interest on a longer loan period, we used OUR money and savings to pay down the interest. 

In addition partner with a Realtor for sales and rental comps and become familiar with the U.S.

If you find one that is experienced in investment property, they will be worth their weight in gold.It's difficult for someone to hold your hand through this process and answer your questions when we don't know you or the property.

You could enter additional Holding costs in the Misc block.  

List of items to be done - (inspection next weekend)HVACAir Conditioner addition to current forced air furnaceElectricalGarage door motor to 1 car garage door Install recessed lights in living room, and new light fixtures in bedrooms, living rooms, kitchenReplace light switches/outlets to square plastic whiteFlooringRemove carpet, tack boards one main floor and top floorInstall vinyl plank flooring throughout main floor Same baseboardPaintingPaint all wood trim whitePaint kitchen cabinets whitePaint all wallsStructuralRemove half of kitchen wallSliding door for half bath on main floorKitchenReplace kitchen counter top, and match bathroom vanities with sameReplace kitchen sinkReplace appliances with stainless steelBathrooms Replace countertops with same kitchen counter materialGeneral workInstall window blinds on all windows