Financing duplex - what option is better?

[Aleksandra U.]

Hello,

Trying to decide what is the better option to finance a duplex.

In order for me to buy it as owner-occupied, I would have to sell my house, find rental, move out, move in, find duplex, move out of rental move in to duplex. Lot of hassle and cost associated with it. But I would be able to put as little as 5% down for duplex. And possibly invest saved cash. 

Other option would be to do full duplex rental and put 25% down (which I would have to keep saving for).

Just wonder what are your thoughts about it. 

Thank you for help.

[Jeremy P.]

Get FHA Loan (unless you already have on the current house), buy duplex, move in, rent your current house, find another renter for the other side of the duplex.