Upon further qualifying them (I goofed and was not aware of estoppal agreements at that time), I have discovered one of the tenant's income does not meet my "3x rent" rule.

Both take the same qualifying paperwork 

A letter from a CPA verifying that he has been in business for at least two yearsFollowing this upcoming tax season he will be qualified.

It is hard to find qualified people, What resources have you used to find your contractors or qualified people, I have tried, yelp, craigslist(scary), HomeAdvisor . everyone seems to be too busy

@Clayton Hepler the banks will use a portion of the income to help you qualify. renting out one unit and living in the other will allow you to qualify because a portion of the income will be added to your ratios.

If it was just a flip, you never lived in it or rented it, it’s just like a flip that took a week....no cap gains, no qualifying to do a 1031.

On the other hand, if you do get a qualified tenant interested (and willing to sign a PG), it will help squash that inevitable "I won't be able to lease the space up" pushback that you'll get.

Make sure your credit is where it needs to be and find out what the bank requires in order for the house to qualify for financing through the lender. 

It depends on the type of deal you are doing and the type of financing you can qualify for.

I'm very lucky to be provided leads on a daily basis, so every single day I'm grinding, cranking those calls, and obtaining clients to either pre-qualify or refinance; I don't need to rely on anyone to send me clients, and for that I'm thankful; but I know full well that this is not a solo industry if you want to hit the big numbers, and I plan to!