The main level has the kitchen/dining/living room.

And if I decide not to sell the property after 30 years, I would still enjoy significant positive cash flow (due to the full debt repayment), and owe a property with 100% equity in it.So, I know that a vast majority of you guys preach the importance of cash flow, and I’m not trying to convince anyone of the opposite (I’m just a beginner trying to truly understand things).

In 9/10 cases the lender will require a certain DSCR or "Debt Service Coverage Ratio" to be met.  

Are you here mainly as an agent of do you want to be an investor also?

Have a main stock line - sewage - leaking in my property, need a plumber that can inspect it w snake / video and fix it without breaking walls. 

It's three years later and we still owe around $30,000 in credit card debt.

I'm selling my home to paying debt and start investing in rental properties.

The main problem I am having is that its difficult to figure out the ARV of the property because the property is in a rough neighborhood and there isn't any duplex that has been sold in the area in the past 6 months. 

STRs is my main job, and my wifes. 

I am mainly interested in the Midland area where I live and the southeast area of MI.