And the size of the duplex and bed/baths depends on the size of lot, location, and what we best feel would rent best and all the other factors. 

Factors like real estate trends, property taxes, and competition also play a role.

Several factors are changing in my life and I’m thinking of maybe paying down/off some loans but will have to weigh the difference between the prepayment penalty on the commercial ones.

I’ve been using the same VA service and haven't had any major issues so far, so I think it really varies depending on a lot of factors, like the market, your criteria, and how strong your buyer's list is.

LLC Fees, Travel, marketing, etc)You can deduct overhead costs in the year incurred.Costs related to the property are accumulated and factored in until the sale of the property.

@Nishan Akwalia The most important factor is actually who the tax payer is for the property.

When a husband and wife jointly own a residence, and the husband takes out a Home Equity Line of Credit (HELOC) in his name only, the spouse's involvement and liability can vary based on several factors, including state laws and the lender's requirements.1.

the 500k tax treatment will always be there.. ( unless code changes) .

Now, some of these answers will depend on what state that property is in, how much equity you have, and a couple of other factors...but you can certainly seek out other lenders about a Line of Credit on an investment property.  

I agree that these are more important factors.