Either can work, or either can be a huge pain, but that's the reality of common area ownerships.I've worked on some small 2-3 unit condos like this doing the condo plans and the CC&Rs have always included provisions for financials, budget etc. as well as dispute resolution.

This rating will give you a sense of the carriers financial solvency.

@David FurnishCongrats on profiting on your first home and realizing the potential on future endeavors.

I have a Masters in Advanced Financial Life Planning, a CFP (Certified Financial Planner), CFT (Certified Financial Therapist), and am a candidate for both the EA and APFC. 

For it’s part, Fannie Mae historically has focused more on purchasing mortgages from larger financial institutions, while Freddie Mac was originally designed to support smaller/regional/thrift institutions.

What I am looking for at my age, is properties that will flow in the future to fund retirement travel, and MTR is where I am headed.But the reason for this post is I now need a structure(s) for what had been a concept. 

I mean for me I am Real Estate broker and licensed Mortgage banker.. /  developer  .. only a developer because I have the financial ability to be one.

If they can do it to STRs, they could do it to your house and put a mixed-use development there or whatever a future administration is promoting.

Only you can determine if it makes financial sense for you and fits your lifestyle and commute. 

If it’s doable financially I’d recommend the duplex.