I was considering going through AirbNb but some of the members here advised against, due to the potential for damage to my (expensive) furnishings.

But home insurance is very expensive in this state.

We never know if the place will always be fully leased or unexpected expenses come up to cause the DSCR to be lower for that one year. 

@Laila Ea Looks like several of your expenses are under-estimated, vacancy should be about 8% to give you 1 month of rent saved up each year, CapX of 5% seems low, typically that would be around 10%, and management of 4% is definitely low, usually companies charge you around 10%.

And as we know, of the ones who dont actually fail and make it...even then, the median income is only around $40k per year. 

Some of the larger expenses-Interior/Exterior Paint, Storm shutters for a few of the front large windows, added additional cabinets to one unit, New refrigerator from Dent/Scratch store after old one died, Laundry units that tenant pays +$50/mo for etc.

The additional expense of becoming an agent is prohibitive for me.

Landlords that use the excuse that turn overs are too expensive usually are either paralysed with the fear of managing, very common of new landlords, or in the case of experienced landlords just too lazy to bother managing their tenants.

@Albon ShawSure they can be expensive , but so can running a new sewer or water line .

If you combine them into a commercial property, the lending rules change and financing becomes more complicated and more expensive.3) the economies of scale are the same for 3 duplexes or a 6-unit parcel.4) insurance is likely less expensive on 3 duplexes5) a valuation based on NOI may or may not be greater than 3 residential buildings.