Multiple Deeds - Multi Family Owner Occupied?

[Thomas D.]

Hey All,

I've come across a large number of townhouses where there are 2-units per structure both for sale by the same owner or developer. Since townhouses are sold independently (1 deed per unit) I was curious if by attempting to buy both connecting units if you could structure the loan similar to that of a Multi Family Owner Occupied purchase and observe the benefits of the reduced down payment.

I appreciate your feedback.