You could put a higher % down, to lower debt. 

Hard money with 20% down How did you add value to the deal?

It is the equivalent of crashing your car then trying to buy insurance to fix the car after the fact.A home warranty or homeowners insurance policy will not pay for mold because mold is a maintenance issue.You didn't say what is wrong with the garage - if it's a broken door opener that is typically covered on a home warranty.My experience is mixed with home warranties and I can 100% tell you your satisfaction comes down to the local trade person that shows up.The home warranty company does not employ trades - they contract them locally at a fixed rate for the work performed sort of like how car mechanics are paid. 

Hi Kevin, congratulations on starting down the road of real estate investing!

You’re on-site for maintenance issues or tenant concerns, which cuts down on the hassle of traveling to a separate location.Loan Accessibility: Getting a mortgage for a duplex can be easier than financing other types of investment properties because you can use the potential rental income from the second unit to help qualify for the loan.Tax Benefits: Owning a rental property can open up opportunities for various deductions like mortgage interest, property taxes, operating expenses, and depreciation.Disadvantages of Investing in DuplexesPrivacy Issues: Living so close to your tenants means less privacy.

Thanks for the heads up for future planning.

Venture to the unexplored real estate area… maybe this 6-figure job is holding me down Will I regret not giving myself an all in adventure ….Does anyone ever run into this cross road?

I calculated a $4800 monthly payment on a 15 year term after 10% down.

Thanks for the heads up.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.