Welcome @Sean Liszka I'm currently in the process of doing the renovations on a 4 plex in Illinois living in one of the units will absolutely help in financing it was a barrier to entry for me.

That vision will help guide you through the entire process.

Plus, of course, you would have incurred some holding costs and other fees in the process. 

@Eddie Starr Seems you're developing a great process to tapping into funds.

The city of Fort Worth actually provides a sealed bidding process to their tax foreclosed properties. 

I am currently in Union County, in the process of purchasing next duplex in Essex County.  

Paid off the private money loan, the closing cost and walked a way with about $500.00 the whole process took 9 months.We could have done it on the 160K, however I did not want to over leverage the property on our first try.

We are looking to begin the application process in the next one to two weeks. 

The last piece I don't hear much about but came to realize is in the last R, you have to schedule/plan for a second down payment and processing fees into the new mortgage for the refinance?

The part that calms me down thinks that this could all be organic growth due to all of the positive market forces going on right now and that prices will continue to go higher naturally.