Quote from @John Warren: @Delroy Watson I would check to see if you can do this the "right" way and make it an ADU.

This is not my area of expertise, so wise people on this website will likely tell me not to venture into this!  

If you have this debt and need money, you may not be preparing yourself for the challenges of being a landlord.

Is this a rental or flip?

This would help save me some money to use on the house that is getting renovated and I wouldn't have any money out of my pocket up front for the duplex except when the mortgage starts.

It may be worth having an experienced professional helping you and you could always try to get the seller to pay your agent’s fees.

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Make sure that your tax accountant understands this. 

This is not the way to analyze a deal.

With the right resources and help, you can still make it happen.There are options that can help make buying a home possible today — even if your savings are limited or your credit isn’t perfect.