WC is great - great schools, lower taxes.  

The third building is on its own piece of land with a separate tax ID.

Since FL doesn't have an income tax, go with a MA accountant. 

Before going into this, though I would be very conservative in your analysis of cost to renovate and what you think market rent (along with increases in taxes and insurance) would be so that once you are ready to refi into a longer term loan, your DSCR is rock solid and so is your cash. 

My husband and I purchased our first duplex in 2019 and I remember we spent a year prior evaluating duplex properties as we didn't want to make a mistake.

Tax.  

Any other surprises such as higher tax rates, preservation requirements, flood insurance, etc?

Fast forward to this past summer, started having some issues and was wondering if anyone else works with them and can provide some oversight 1) prop mgmt agent - we switched to a new agent and we have been having issues (addressing us by the wrong name/gender/etc, spelling errors in emails, long response times, one word responses to issues that were outstanding for a while, not contacting the right person despite us requesting several times, etc.) 2) issues with communications regarding finding a new tenant - we were notified in October '23 that our tenants were not renewing and we requested that our unit be shown prior to vacancy in January '24.

The seller needs moving money, there are oftentimes an arrears that has to be paid on the loan, there are oftentimes HOA fees that are due, there are title costs, there are escrow costs, usually there is deferred maintenance, you have to make mortgage payments out of pocket until you get a renter in there, you have to pay utilities and taxes, and you need reserves in case it all doesn't go as planned.3.

Hey @Christopher Eduardo, Please talk with a tax lawyer to make your final decision, but in general: In a Chapter 13 bankruptcy, a debtor creates a repayment plan to gradually pay off their debts over a specified period, usually three to five years.