I've confirmed it with a few other local real estate investors the same sentiments. 

Here are my recommendations for you.Since you and your husband own the duplex under an LLC, with one unit as a mid-term rental and the other as a long-term rental managed by a property manager, having the right insurance coverage is essential.Your property manager’s $100K liability requirement is low.

I would also attend the upcoming multifamily events in the fall, whereto can meet other investorsGino

My other 12 do about 1.5% to 1.75% of market rent.   

Looking forward to hearing some great advice—let’s help each other grow!

These sorts of questions are inherently subjective to the risk profile of the investor - but I'd like to hear some other perspectives on it.Thanks to anyone willing to share their insight.Mike

That's the other challenge that i've learned, with only one month as SD, if the tenant leaves even in a relatively new build the fees add up. 

I'm curious if others are seeing similarities in your markets.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Is it common to purchase a home with other debt?