If you need financial help, ask under the "Finance, Tax, and Legal" forum.

If it’s doable financially I’d recommend the duplex.

II wonder if it would stand up in court that they could force you to use their contractual payment requirements on your own Private property.

Being a responsible person has nothing to do with the financial calculation for rate of return or cash flow. 

Consider both the financial cost and the time commitment.Have I researched the program?

There are many scammers out there, with histories (criminal and financial) that they are not proud of, trying to raise money.

There is something called CCAP in Milwaukee where with the tenants name and DOB we can look up and civil/criminal court cases.

Over time, I’ve accumulated more cash reserves and don’t need as much flexibility, but I’m actually in the middle of a refinance right now using an interest-only mortgage—because the pricing with the lender and the corresponding ARM is more favorable than a comparable principal-and-interest loan.The key with these alternative or "exotic" mortgage types is that you need to be financially savvy and have a solid plan.

I have a renter in there now and am wondering if a cost-seg makes sense to do financially as I am planning to keep the place for 10+ years. 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.