My credit should be the highest allowable also and I shouldn't have problems with approval.Ok, i shopped about 80 lenders (based on Fridays rates, market is closed so no live pricing)Conventional Full Doc loan you would be at 7.875% if you put 20% down (you said what the house was worth, but not your purchase price). 

Regardless of if there is a due on sale clause or not - if you are paying a 2% of property value tax twice - that's a large expense.

These type living arrangements are primarily short term until user circumstances change

While I do not live in ID, I'd love to connect you with one of the best agents out there.

I could see a requirement, perhaps under the Patriot Act, that requires all landlords to get a SSN/TIN from everyone living in a unit and report that (or lack of) to the federal government.

I am a 37 year old high school basketball coach that is not very happy with where I am financially and am seeking a way out of living paycheck to paycheck.

I think this arrangement can suit both parties, he wasnt going to be able to keep the house but can still live there for super cheap.

I'd like to invest more in that area, but it's much more expensive and harder to find deals.  

All those people you perceive as broke ,financially illiterate or irresponsible live somewhere unless they are homeless.

I live in California, this is a bay area property.were not looking to move out of state and house hacking is less palatable when a duplex costs 1.6 million.