That property is still producing a 20-30% CAP.

Their reps have the same attitude as bureaucrats...their rules and procedures are the priority, not customer service.

Is it standard procedure for banks to require 25% down for a mortgage on a duplex?  

Apartments do offer economies of scale, but you have to understand that the apt. market is red hot, w/ compressed cap rates, and generally don't produce as high cash flow return %'s on an as-bought basis as 1-4 unit properties.  

The process is called "underpinning" and typically requires a building engineer to draw up a plan and a procedure schedule.

I don't really look at which one is the "most profitable" in and of itself but rather which produces the most passive income with the least amount of liability and daily involvement.The lending business is great because I do not use any of my own funds, I am in the safest part of the equity stack, the investor takes all the risk with the rehab, and does all the work. 

They have not produced any financials and the realtor is not sure they will.  

I am now mentoring and coaching new agents and am one of the top producers in my market center.

I'm guessing both would be fine, but which one produce more deals? 

(CRMC).These are companies that have been audited by the National Association of Residential Property Managers and have demonstrated a high standard for both procedures and customer service.Again, I believe the best way to find a good property manager is to seek a property manager out and has invested in advanced training and education and has attained designations, usually they also have years of experience.Kevin