I also have a no windows open clause while heat runs. 

So its a no brainer.

I had external accounts set up in both, I can do ACH transfers, but thought it would be nice to have ZellePay set up as well, as backup.At first, it was a no go, used the same email address I used at Citi, and Chase Zelle enrollment said "sorry you already have a Zelle account at Citi".

For example, (1) are you being charged points for your quoted rate, (2) do you get a no-fee interest rate float down after locking, (3) does the lender offer a no bank fee refinance service in the future, etc. 

I did a fair amount of research, and saw gleeming reviews - so it was a no brainer! 

If you are currently paying $1500 it's a no-brainer - get the duplex.

@Matt Groth thank you for putting it in those terms, it's definitely a no brainer when you put it like that!

A no slumlord here.

Do everything you can to leverage your time to gain experience as opposed to looking for the deal or the money right now.Starting out of the gate doing a no money down deal is possible but it's more the exception than the rule in my opinion.If you are already reading and do the research then you don't need much more specific advice you just have to continue taking action every day, and continue working hard to leverage your time, where you can gain experience.There are seemingly endless possibilities to get started, but if you keep seeking knowledge & experience, you will figure out your way to make it work.

Private lenders... requiring your borrower to purchase lenders title insurance which insures your interest in the priority position you believe you are lending is a no-brainer basic business decision.