The reason why many say put 5% down versus 10% down is because your difference in payments might be nominal.

This may matter significantly to a DSCR or commercial lender because they may be requiring a personal guarantee, which would include your individual selves - versus the LLC or business entity who is vested - and if your business partner has the assets or the credit score, losing that option as a lender for a personal guarantee could kill the deal.

In general, your DTI is calculated from income on bank statements (total deposits less total expenses) versus income on W2s/tax returns/etc. 

You might see if one of the members will let you come through a property they are doing and see what estimates versus actual numbers look like. 

With that being said, I think this property may be better to flip versus BRRR'ing.

The equity build on rentals is slow and steady versus other markets.

In some cases, taking on a HELOC can help you avoid paying for PMI altogether.Don’t Forget TaxesThere are also tax implications of refinancing versus taking out a line of credit.

The valuation for property tax by the assessor hasn't updated yet as we're not into 2023 yet, but i was wondering if there was any difference that people have experienced in terms of valuation for a duplex versus SFH?

Have less debtBHA can only cover one location so you will lose out having his pay go to rent versus equity. 

You get hands on experience, versus just pining away at getting clients.