Any Idea on Buying two Side by Side townhomes for house hack?

[Breelon Bryant]

So in my market there are 1 parcel split duplexes ( they were sold individually but its one building) and I want to buy the full building as a duplex. My problem is I don’t know if there is a way I can talk to both sellers and combine the purchase from them under 1 mortgage. Is that possible? Can you by the townhomes separate and at the same time to put under one mortgage loan? Any suggestions?

[Tyler Weaver]

They are each on their own parcel? I don't think that would be possible for a conventional lender to put on the same note. 

As far as handling it through 2 sellers and closing at the same time for the same loan that was collateralized by both parcels, a good closing company should be able to pull that off.

Since you mentioned house hacking, if you talk to an independent mortgage broker, they may have a non conventional owner occupied loan product that mimics a lot of the benefits of a conventional note that would work for 2 parcels. 

[Sam Shueh]

Each parcel you need one mortgage. There needs to a HOA and CC&R.

[Wayne Brooks]

You can’t get an owner occupied loan for two different properties, period, and they Are two different tax parcels/legal descriptions.