@Clay Gregord Personally, I do not believe laminate over granite will decrease the rent potential.

It did not take very long to achieve a very nice net worth, which continues to increase while many are starting to see their net worth decrease.

Chris lets assume i can pay on time and my credit is high but the home priced decreased 30% and there is a recession.

I think you have to consider the duplex value would decrease and how would that impact your investment.  2) HOA's are always concerning (personal experience). 

For example, during peak season rental rates can be increased to take advantage of higher demand and occupancy, while during slower times they can be decreased to attract more people.

A little creativity and effort can pop that number up, especially as rates decrease.

I just think the demand for a house is too high for a meaningful decrease to occur

YoY is up 3.5%.Rentals - Availability by MonthThere is a sharp decrease in the number of homes for rent both MoM and YoY (down ~19%).Rentals - Median Time to RentThe median time to rent increased MoM as expected for this time of the year, but is flat YoY.Rentals - Months of SupplyOnly about 1.2 months of supply for December.

Regardless or interest rate, this will continue to put upwards pressure on housing prices that will need to be overcome before any price decrease may occur. 

The way to think about it is that house hacking will DECREASE your costs to home ownership.