To determine the STC i need to know the floor system. 

One thing my agent was telling me is we could waive appraisals with exception of the HUD inspector to determine the scope of work.

Of course I'd have to analyze specific properties to determine if this would make sense, but I just don't know if I'm crazy to consider selling a payed-off, cash flowing house to take on 2-3 mortgages (and reduced cash flow). 

In value-add deals, typically you are looking at ability to move yield (going in cap rate vs stabilized yield, and making sure that delta is large enough), IRR, equity multiple on deal, and maybe average cash on cash over hold period.  

I am a agent and am working with a couple investors but would like to serve them to the best of my ability.

Others have a high-risk tolerance and are anxious to get started but have absolutely no ability to live frugally, save carefully, or practice any form of delayed gratification.

I always look at the time of the year to determine the length of lease.

As most have mentioned most banks can help you out, I specifically went with Chase Banking from then reviews and ability to connect with turbo tenant.

I've definitely considered using my primary home's equity to put towards a duplex - hoping that my wife and I can save enough capital to fund a 25% down payment on a rental, and possibly do a BRRR method with my ability to flip the interior of the home between cabinetry and the renovation skills I've learned over the years.

Due your due diligence to determine if these are established rentals and if they've been cash flowing or can potentially cash flow.