Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.

David, Send us a Private Message and we can schedule a call to see if you fit the group. 

I want to discuss it privately, which is why I requested a PM.

When my business partner and I were still flipping we bought a couple through Auction.com and we always used a private money lender to fund those and our other flips. 

. ;-) The following is just general informationIt sounds as though the seller has an investment to sell, not his private home.

Real estate is so localized that most federal based policy changes don't have massive influence.I can see him (semi-)privatizing Freddie/Fannie.

Or just use private money. 

Also makes private lending easier.

Quote from @Burke Atkerson: With over a decade of real estate investing experience and over 100 flips, I now provide private money & hard money loans.

Private Lender Partnership: Partner with a private lender or investor willing to take a second lien position to get you to 85-90% cash out.