I know this is gonna be harsh but what idiot would put a 6 figure asset in their own name?

They figure they'll make it up on the next job, but the next job becomes the next and so on.

You got to figure if you did not have cement underneath to start it would be very expensive or impossible to install later.

I'm not saying it's the wrong choice (f you want to buy a duplex you'll certainly need money for downpayment and reserves) but that debt will have an effect on your debt-to-income ratio that will be used to figure out how much of a mortgage loan you can get.

This is a big issue in my area I've built several seven figure custom homes on the site of 1950's ranch homes.

but I'm married to a career Navy guy so this was our last, chosen, stop before he retired in October.I am a physician looking to replace most of my clinical salary so I can practice as much, or as little, as I'd like...while healthcare figures out what it's going to do with itself.

You will see lots of people on here trying to figure out how to get financing.

Figure Wall Street is paying 31k per door.

Look on VRBO etc and see what places are going for, determine the length of the rental season, figure in some vacancy and see what the numbers tell you.

Both may work for you, one or the other may, or neither, but you need to go and figure that out.I believe (*wink) one meets this Thursday night!