We haven't tried CHBO because of the cost per property but my VAs have a list of about 15+ sites they list all of our properties on.

Our mortgage is $95,000, and our renovation costs are spread over several different 0% interest credit cards.

Owning a house with a view in NY already cost ten percent of my current income in taxes.  

I know the cost of the conversion, and the ARV increase to me seems several times higher than this cost. 

With the cost of living 9.8% lower than the national average.

You should look to conduct a cost segregation study so that you can accelerate more of your depreciation against your income.

Talk to your realtor and ask about renos factoring in time and cost.

Does anyone have an estimate for how much it would cost to build a duplex or 4plex in Bradenton? 

This is supported by search trends by terms like "affordable apartments Fayetteville NC" and "houses for rent under $500 in Fayetteville NC" suggesting a high demand for cost-effective living arrangements.

The only cost the deal needs to absorb that's relevant is the interest, and even that is really just the delta between the actual interest paid and the tax savings on that interest on your federal return.