Chris, I haven’t used First United for a duplex, but do have experience working with them on traditional mortgages and to be honest I’m not surprised they got their info wrong, their knowledge and customer service isn’t the best (and their website isn’t user friendly at all) I would definitely talk to other banks.

Do as I command and you will rock monkeyballz!

As other users have commented, the area is very competitive for homes under the $250K mark.

Not only is the process really user friendly, they also provide a lot of valuable tips and tricks relating to being a good landlord. 

Also useful for scaling, as you can invite users to access Podio (e.g. someone who works your leads). 

He is a Florida CPA here on BiggerPockets.This is his profile: https://www.biggerpockets.com/users/lancebvs

If you use your VA eligibility right now, then when you get to your next duty station and want to buy a nice home, you'll be what's called a 'MULTI user" and then over 3 points in VA Funding Fee will be stacked on your next VA loan.Here's what I'd do...or the subject property, since you have 10% down, do a FANNIE MAE  1st mortgage 80/10/10 = 90% Cltv)  purchase programEX:  180,000 purchase$144k  80% ltv - 1st mtg on a low rate Fannie Mae loan$18k    10% ltv - 2nd mtg (simo purchase money 2nd mtg) eliminates the PMIgives option to waive escrows you divide and conquer, meaning you can knock out the 2nd mtg. and drop total payment leaving just 1st mtg. paymentAlso, in lieu of a discount off sales price, simply negotiate seller credit to pay your closing costs (note: up to 6% of sales price seller concessions allowed)   

Again, you'd have to check the demand, but many end users like to purchase a townhouse and have one single unit at the top or bottom to help them pay their mortgage.3) Use at least two approaches to understand your property valueFind out the price per square foot and cap rate that comparable properties are being sold within 1/2 mile in the past 6 monthsThose two approaches complement each other.

Air BnB is quadruple the amount of active users and such a better platform.

I don't understand why some users get reply in less than hour but i don't get any explanation in over half month?