Be sure to check out the site in its entirety, there's a lot of great info.

Several things worth noting though:The owner has to personally live at the property for the entirety of the loan.

Chicago Southland Homes is my team/brand, but the information covered is for the entirety of the Midwest Real Estate Data service area.

My current interest rate on the duplex is 2.75% (bought during COVID, what a time).I would only sell if I could pay off my loans in their entirety, which would require a sale price of about $1.1M (which I think is doable in this market) and I owe about $737K.

I would imagine since it's elective you would be responsible for paying for the entirety of the work, but I'm not certain.

@Frank Rolfe is incredibly thorough and does a fantastic job packaging and delivering information throughout the entirety of the long weekend.

Thanks for your response, and that was part of my curiosity around buying half a duplex, since you wouldn't have control over it's entirety and it's connected to another property.

The market value of this property is at $307k.Based on the above scenario, after the foreclosure sale, I still would not be able to recoup my debt since the estimated market value of the property cannot cover the entirety of the senior loan and my loan.

This is behavior, not entirely math.Go see how much a $400k house with 25% down at 5.5% interest rate is in it's entirety of a 30-year note. 

TIP: Always require accurate photos/videos of the property and make sure they are clear and show the entirety of the property!