It is the very nature and design of the Fed to be solely reactive, as they are data based in decisions, only way to have data is historically.

Look for the borrower/buyer column on the ALTA (American Land Title Association).

I also know that a duplex, while slower, is the safer, more conservative approach and on my single income.Either way, for the second property, said another way its like small steps every 16 months or bigger steps at 32 months based on my current saving rate.

Perhaps the biggest opportunity for mishap in this area is when going from a building that has been cost segregated and wanting to 1031 into land. 

Some banks offer accounts with no monthly fees or provide ways to waive them based on account balances or activity.3.

Based on what you say, yes.

Here's a list to give you an idea:Startup Costs:Down PaymentClosing CostsProperty InspectionAppraisal FeeProperty InsuranceInitial Repairs and RenovationsEmergency FundOngoing Expenses:Mortgage PaymentsProperty TaxesUtilitiesProperty Management FeesInsurance PremiumsMaintenance and RepairsVacancy CostsProperty DepreciationLegal and Accounting FeesRemember that these costs can vary based on factors like location, property type, and personal preferences.

15yr Fixed equity loan base rate could be as low as 10.25% at 100% loan to value, with a base APR as low as 10.25%.

These types of loans are approved based on a proforma and plausibility.

Hard money lenders will base terms on the relationship and previous completed projects, so you'll want to interview many and compare.