If you haven't been tracking your material participation, done a cost segregation, or any other techniques specific to real estate and just want someone to file on your behalf then there might not be a huge difference between H&R and a specialized CPA.

Specifically considering zip 92544.Much appreciated!

The best you could do is call the agents broker and file a complaint with that specific agent. 

I mean something could go wrong and we could lose our money ..

Consult with a mortgage broker to assess your specific financial situation and find the most suitable loan option.Since you have $50,000 in equity in your current residence, refinancing could be a way to access this equity and use it as a down payment for the new duplex.

I think you need to be specific about what you use in your screening criteria.

Appreciate your help-There's nothing wrong with listing the company as "Tenant" but you should also list the individual(s) that actually reside in the unit.

@William Brock I can't say specifically how well these do, but we have lent on numerous VRBO type properties on Canyon Lake recently, and those borrowers seem to be doing well, so other investors are doing just what you're talking about, for what it's worth

Is there anything specific you need help with?

That's how I read it as well......but I could be wrong?