Both STRs do have an uninterrupted history, but not a complete year yet, 11 months on 1 and 6 for the second.  75% may be an option.  80% I'm positive will provide the funds I'm seeking while maintaining sufficient reserves.  75% isn't out of the question, but I don't want to decrease liquidity too much.

Then move into the duplex with an FHA loan overall saving yourself a lot of liquid cash/reserves. 

Goal would be to hold the properties for 7-10 years and then liquidate.

I am not an accountant though.I'd also consider diversification and liquidity.

I do have $18k, but that's all in the stock market right now, not in liquid savings, so I'm considering that untouchable. 😂 If I start saving so I have $15-25k sitting in a high APY savings account, what kind of loans or financing can I use?

I've got great personal credit, about $70k in liquid assets that I'm willing to invest.

They are simply exchanging X amount of liquid cash for X amount of a performing note.

In Retail, a detailed business plan is usually always requested by "shopping centers", along with a snapshot of business assets and proof of liquidity, meaning you have to show them bank statements.

Unfortunately, I missed the latest window on great rates - but would still appreciate some guidance as to how I can best position these resources to maximize my liquidity potential.I've always been generally debt adverse, and prefer a quality over quantity, low and slow approach. 

They were willing to help make us comfortable as far as meeting my requirements, as well they had a good amount of liquidity after closing.