House hack financing

[Wade Currie]

I am familiar with the traditional house hack whereby an owner occupant uses a low down payment loan (typically an FHA product) to purchase a 2, 3 or 4 unit property.

I have found an off market opportunity which I would like to house hack. However, it is not a traditional small multi family asset. This particular property is a main house and a detached guest house / ADU. Has anyone had any experience obtaining an FHA loan for a similar type property? I do not suspect the negotiated purchase price being an issue as far an appraisal is considered. I have had underwriters in the past question the feasibility of an FHA or any type of low down payment loan for a property where all the units are not under "one roof" like a traditional small multifamily.

Thanks!