Duplex House Number vs. Actual Parcel Address

[Jeff Schemmel]

Hi everyone, I just finished the inspection period on my first Duplex House-hack, and while I wait for appraisal, I'm working out some finer details of inheriting a tenant and becoming a landlord! I'm buying with an FHA loan, and will owner-occupy according to that rule for at least 12 months. I'm finding myself in an interesting (yet seemingly common) situation with the home address vs. the actual Unit# addresses, which use Street#s instead of Unit 1 & 2 for example.

• Duplex property address is #1035
  
• Lower unit address on home is #1033 (I will occupy this one.)
• Upper unit address is #1035 (tenant occupied)

How do I handle this when it comes to my address on paper? If I use 1035 as my home address, my tenant who is actually occupying the #1035 unit will get my mail. If I put down #1033, will the FHA even realize that I occupy the property according to the requirements when the tax statement recognizes 1035 as the address?

The tax statements recognize the property as 1035, the title company says the legal home address is 1035, the county parcel map has 1035, and I signed the purchase agreement and loan application with 1035 as the home I'm purchasing, not 1033-1035.  The title company says it's not necessary to change it, but I still have the issue with the mail potentially going to the wrong tenant.

I welcome any and all advice per your experience!  Thanks again, and have a great holiday.

-Jeff