I was able to speed up the process by paying with cash and using family to translate documents rather than third parties.

It looks like I definitely need to make some adjustments for capex. 

Sucks that you can't access your equity, but it looks like you've levered it about as far as it will go for a while, so you'll need to adjust in the meantime unless there's a piece of the puzzle I'm not getting. 

Because I had no knowledge I did learn something, but never enough to really do something.Now I’ve met BP.For me this is a speed train where I’m learning and getting tools to really start doing real estate and keep on learning from different people who personally invest with REAL stories.

Part of the reason to use a private lender is speed to close.  

Honing down on niches and specific resources will greatly speed up your attainment of goals.

Apply geographic/neighborhood value adjustments if necessary. 

So numbers  are now re-adjusted.

I ask because im really trying to speed up my investing process with cash flow and hustle to do so by putting a second Duplex (there will be 2 built at same time) in my girlfriends name and ill fund it and then transfer ownership after the 1 year requirements are up, but so i don't have a empty unit (One she's "living in") I would airbnb it so theres no leases where i could legally get into trouble.

@Tyler Rowley Happy to help: 30yr = 30yr amortizing fixed rate loan (ie. a normal conventional loan or a commercial loan to mirror those terms)5/1 = 5yr adjustable rate mortgage.