Hello, I own a rental house on a large lot and I'm planning to divide the lot to build a duplex for renting out. I've considered different options, such as refinancing this home to make the land a separate transaction or even selling my house to build a duplex, (since I am not sure if I will be able to get financing for the construction project if the land and this current home are on the same loan). I need advice on the best financial approach for this situation.