Personally, I wouldn't live somewhere where I have people living above me as I am sensitive to noise. 

If so, you can get a DSCR loan without worrying about personal income.

I've personally communicated with the inspectors, and they are aware of how the tenant is trying to manipulate the situation.

So you need to remember that there are about 4- 6 big box lenders that fund most of the Hard Money loans and then you have thousands of brokers selling their products and lots of times someone thinks they are dealing with a lender but they are not, they are dealing with a broker who has a lending sounding name and this broker is set up with an account at a few different lenders. 

If you still think its overpriced do some more research, what can you do if you owned that home to be worth even more, especially if you’re a DIY person.

I get that you want to grab the bull by the horns and do your own thing, but being a limited partner in like two funds could equal 10-50 assets.

Currently, they are financed under my personal name.

Rent the other side of the duplex to a person you then employ as a full-time (or part-time) nanny.

So I would need quick access to funds.

If you put it in an index fund, you might get 10-15%.