Originally posted by @Brian Witherby:@Shaun Weekes 11 monthsSince you bought the home for cash and it's been over 6 months just do a cash out refinance with any Loan Officer or Broker that offers regular conforming loans.  

You will need property management to scale especially since you and your spouse already have "regular" jobs.

If you guys do it regularly, is there a better way to contact you?

I have just reached a point where the regular 9-5 income just isn’t cutting it.

That gave way to the Bond Ladder - a series of bonds maturing regularly. 

This would be the same as when possession is set up for some time post-closing on a regular house.

For example - I would present the tenant two options:1)  Regular security deposit.2)  No deposit, but, tenant agrees to do two things:  Pay $100/month higher rent, and sign up for this service.I TOTALLY get the tenant screening issue, and that's a factor in me thinking about this - but the type of tenant I am looking at (this is a higher end property) is outside the income range for the lower level tenants who wouldn't qualify anyway. 

It is also possible to get a regular vanilla mortgage on a duplex, without hard money rates.I'm local to you. 

(Worry #6, anyone who actually visited the property would see neatly trimmed grass and plants, snow was shoveled, trash can has recent trash, there are cars with clean windows and obviously used regularly, there are cats in the windows, lights are on, looking through a window shows furniture, etc.

@Austin Holmes looking into this more, I think all owners need to reside there but it’s a good question for the assessor, I think the discount applies as soon as you move in but only takes effect at the next tax bill (another good question for them), and I do know that it’s not supposed to continue if you move.Some people try to hide the fact that they move to keep the discount but if you get caught you’ll have to pay the regular non-OO tax plus interest and (I think) penalties.