There are some conventional loan products that will allow you to use just one year of tax returns but it depends on many factors.

I think a duplex is a great way to help you qualify for a loan and allow you to rent out the other unit and still give you privacy.

As far as I know, you will have to allow the city to inspect any unit you plan on renting once every 3 years or with any change in occupancy to obtain a certificate of habitability, as described here: https://ecode360.com/4243371This registration requirement is indeed new.

This regulation allows property owners to build ADUs on their existing residential lots without the need for additional zoning approvals, which can significantly increase property value and rental income. 

The electric company has a form that can be filled out by the tenant and the landlord that allows a third party statement if the tenant doesn't pay their electric bill. 

Already have them insured individually, however; hoping to save money with portfolio insurance.Any feedback will be appreciated.Thanks.

What would that cash flow allow for you to pursue that you otherwise couldn't? 

It then presents each estimate individually, along with the average.

(A commission that should have been paid out of the retirement funds is allowed to stay in and compound.)Personally I would hire an unrelated brokerage and give up the couple percent.

The taxable gain will be paid at the end of the 30 year deferral period, while the 1031 Exchange allows you to continually defer the tax and then the investor generally receives a full step-up in cost basis upon their death so that the taxable gain completely disappears.