sub-divide two houses on one deed

[Joshua Swift]

Hello my Name is Joshua Swift I'm just starting out. I have my first home me and my business partner have found a off market deal two houses on one deed when we pay for the property we would like to subdivide the two house does anyone know how that would effect the loan with most banks. also will a bank help you out with a less percentage of a down payment if the property appraises for more then your buying it for.