This can be indicative of a fast moving market, of which Cape Coral is.

I am surprised to see a lender indicate their belief that this is not a duplex, that a duplex has to be attached.  

If they have a track record of hitting their investor equity targets then that could be a positive sign, but not necessarily indicative that they'll hit the target this time.

And some have a minimal cashflow in areas outside Seattle.

If you are not able to find market data then you could value as indicated above which is known as the residual method. 

This indicates that you are a business, not collecting passive income.Anybody who operates a business and pays out more than $600 per year to an entity for services is required to at least collect a W-9 from the entity to determine 1099 eligibility.Many CPAs recommend that you issue a 1099 if you are in a grey area or even if you are a truly passive landlord. 

The fact that a tenant is complaining online might be an indication the property manager dealt with them properly so be sure to ask the manager for their side of the story.7.

PM me if you want to know some ways to minimize your risk.

Cost is minimal.  

Since I probably won't get the money back, so a service that has minimal cost would be ideal.Thank you in advance for any recommendations.