He even got me to sign a no recorse and have my house and shop as collateral...

Colorado is a solidly blue state now, used to be purplish, but we're still better than every other state in every way (most consistent appreciation, increasing rents, population growth, recreation opportunities, moderate climate, recession-proof jobs in diverse industries, desirability, affordability, landlord friendly laws, the list goes on...).

Rent them in different listings and a third listing for both units together.

Are their listings detailed with good-quality photos?

I have had the back unit of the duplex I just purchased to house hack listed for almost a month.

For all the reasons listed above, I would reconsider to a Single Family Home, preferably with no HOA.

@Tyler Hardy I may have a listing coming up in Windmark beach in Port St Joe.

We had it on a Heloc for 3 months, then did a cash out refi- This thing was TOTALLY redone and needed more love this past 12 month- Can I take a $15k loss on this due to the fact that I have easily spent over 100 hours this past year running it, staying at the actual cabin, paperwork, book keeping, purchasing items, etc (BTW, this would not include travel)- I have those miles listed out separately.- If so, would this be a deduction from my wages that I have earned in 2023/Thanks in advance- Janis 

Each city has its own laundry list of licensing requirements, but they have not had the power to limit the number of rentals or make other market-limiting moves.This issue is likely to come up again.

As I run the numbers on local listings, I'm curious to see if anyone has any advice on estimating insurance costs on small multi-family in our region.