Also, if there is not HOA in the community, am I allowed to make modifications on the house in the process of changing it to multi-family?

@Emmanuel Okelola Welcome and congrats on taking the beginning steps, asking for help is hard to do for so many.

There is a great group of members on here to connect with.

I came across BiggerPockets on Podcast and have not looked back since.

I will need to get a loan on the property and given it's an investment (will not owner occupy) I'll need 80% down.

Also wondering everyone’s opinion on the market, generally.

A little about me:I hold a Certified General Appraiser license and have been working in corporate and commercial real estate for over 25 years.My recent focus has been on property investments and appraisal work, including commercial and residential properties, lease-to-own agreements, and broker price opinions (BPOs).I’m always looking for opportunities to expand my portfolio and knowledge in real estate, and I love analyzing market trends and valuations.I’m here to connect with other investors, share insights, and learn from the wealth of knowledge this community offers.

Can someone check my rehab estimate on this duplex?

I have my property setup on AirBnB only right now. 

I would offer 90% of the market value. if he sells it you with no agents he is saving 6%~ on real estate agent commission and the other 4% is a convenience fee in that he dos not have to endure showings etc. and you will get better pricing on a non-owner occupied property if you put down 25% is compared to 20%.