c) Take HELOC on Duplex(i got denied a lot since lots of banks are only giving it to primary residence)d) Sell my Primary residence and use the equity for another mortgage down payment on my new primary and buy one more rental (i ran the numbers and it will be a little tight but doable)Thank you so much for your input!

Have you spent time in all these places and feel like you have a sense of the local culture?

...Does the company culture fit your personality?

Everyone I ran the idea by ultimately said the same thing, don't try breaking into a market later after you're established - establish yourself where you want to be.Just remember, you miss 100% of the shots you don't take. 

The culture in Puerto Rico is not the same in the USA.

My own Air Force career hasn't transplanted me much (with the exception of this most recent PCS), but I have traveled in my own time to many parts of the States/world, and love experiencing the cultures and respective markets of other areas & countries.

Cultural and demographic shifts are happening in this market.

However a learning opportunity presented itself, and I ran with it.  

Banks aren't exactly think tanks, the culture is to stay within the lines, dont take risks. 

For example, I ran some high-level estimates on painting, and my basic equation for an estimate was raw materials (based on sq feet) + labor (based on est. hours) = approximate estimate.