They're distinct documents.

It's an important distinction as commissions and credits go and can get confusing.

However, most pundits agree that currencies like the Colombian Peso, the Brazilian Real and the Turkish Lira have fallen way too low in relation to their current, past or imagined economic troubles.

This is a very important distinction that a lot of investors miss - treating sellers of this nature, like dollars and cents investors, is a mistake and likely a big turn off to the seller.

If you purchase the other unit, you still have two distinct parcel IDs, two titles, two tax bills, etc, but it sounds like (or your lender is interpreting) that you want to refinance the whole building, which I've never heard of with a conventional mortgage.You can combine the properties to own the single building with two households (one parcel, title, etc) to refinance the whole building, but then you do lose the option to sell off one unit later (though you could rent it just fine).If you are just wanting to refinance the unit you purchase in cash, I don't see why the lender would want any changes to the HOA. 

@Robert E. the tax lien you are referring to is separate and distinct from the mortgage that is being foreclosed on.

But it's a very dangerous game and many people who play it long enough lose, and those who come late almost always lose long term, and lose big.Plus I would argue there really is no distinction between growth and value, a stock is a stock and it's either undervalued or overvalued based upon it's future prospects regardless of its level of growth.Here's hoping you are not late to the party.

From city to city you'll find distinctions on how many people can live in a place, how many unrelated vs related people, number of cars, number of people per bedroom, etc. 

Hi @Evina Nonato, the distinction is that a homeowner's insurance policy covers personal items, and often have higher loss prevention terms overall. 

I’m not aware of any distinction that “a college student buying/living near campus is not considered their primary residence”....talk to a couple of local lenders, I don’t see any issue.