the simple reply to your question is they do not exist  except for very experienced repeat clients. someone with no experience or very limited experience is not going to get a true no money down HML..

I will move out of my existing unit and into the new one.

Wrap the existing mortgage, as suggested... or take a balloon second for your equity.

I'll explain...When you purchase a property with existing tenants, who have a lease in place (in MN you can also have verbal leases), you'll inherit those tenants and the leases they signed with the seller on closing day. 

Key details:- Existing debt: $2,038,000 at 3.8% with 7 years remaining- 92% of units already upgraded- Recently implemented RUBS program- Strong occupancy in a growth marketGiven the current debt structure and property improvements, this asset presents an attractive cash flow opportunity with potential for further optimization.

If you want a true duplex, you'd also need to make sure zoning would allow it vs adding a legal suite.Why not just buy an existing duplex?

You need to inform the existing tenant that based on their terminating the lease, you have a new tenant ready and they must be out on the agreed upon date.

Are there any resources that exist to determine what the fair market price for a condo should be in a particular area?   

Yes, we exist.

Those of us who serve the real estate investor community are something of a minority among financial advisors, but we do exist!