You are also building equity every mortgage payment you make.

Also, do I just write the landlord/subleasor a check with the property address and month on the check as payment?

The eventual goal would be to rent out both units, but I need the FHA to be able to afford the down payment on the property.  

I found out that a five unit property is considered a commercial property which has different qualifications for getting a loan (20-25% down payment).

One is a 10 year loan with 25 year amortization payments. 

Can I put contingencies like, 1) need to pass city rental inspection(scheduling that will be tough with in 5 days).2) Satisfactory review of all tenants related document, lease, income, criminal check, employment, rent payment historyAlso any suggestion on what should I be looking for.

Are the son and friend not capable of making payments on their own?

My mortgage payment is 30 years at 5% ($34,190 annually - principle plus interest).

Hello Gene, also a newbie here but it occurs to me that you could find a lender that understands your goal and may agree to a large down payment with your father as co-signer. 

They’re smaller, and my mortgage payments are also small.