Right now, my wife and I's income is tied up in our own home mortgage and helping a family member refinance their own home due to financial difficulty.

I find the difficulty is in learning how to identify what is a deal and what is not (but that's where the learning comes in).

USAA was the bank for my first loan and I had a higher interest rate, longer process, higher closing costs, and much more difficulty getting in contact with the loan officer than with my second purchase.

It may not all be from the same lender or same person though, which is where the difficulty comes in.

Not a very good CoC, but then there is this:During this pandemic, I am having difficulties hearing back from the city as to whether or not the lot can be broken up into two separate parcels. 

They have their down sides as well, mostly related to barrier of entry items like cost and difficulty getting started. 

Hey guys and gals, I'm putting an offer on a place in PA and the realtor is having difficulty getting into the house so she can facetime me the inside. 

You can learn from others but until you take the leap it is difficult.  I

I'm also having difficulty getting my head around why I might not be able to pull the account out of the partnership, as long as there is enough liquid cash in the partnership to do so. 

This leaves an investor with the choice to take the property as a single family, and possibly fight a battle to get a variance for a duplex approved, which would vary by difficulty typically by neighborhood.