Like Nate mentioned, choosing the right lender will depened on the type of loan product you are needing. 

Here's what the loan officer told us: "You still have entitlement left over that you can use if you choose to make this property your primary residence.

Normally, they would have zero tax because of the capital gain tax exclusion on primary residence, known as the Section 121 exclusion.

When choosing a loan officer, make sure you find someone you mesh well with and you trust to have your best interest at heart.

Plus you may not like being a landlord its a lot of work and stress. even managing the manager.. of course with Notes you have to choose wisely as well.. 

This can help offset your mortgage and other expenses.Single-Family Home: If you choose a single-family home, you may have the option to rent out rooms or a separate unit if there's space, but the income potential might be lower compared to a duplex.Affordability:Duplex: Financing a duplex might be more challenging, but the rental income can assist with affordability.Single-Family Home: Single-family homes might be more accessible for first-time buyers, but you won't have rental income to offset expenses unless you choose to rent out a portion of the property.Property Management:Duplex: Managing a duplex involves dealing with multiple tenants and units, which can be more time-consuming than managing a single-family home.Single-Family Home: Managing a single-family home is typically simpler since there's only one tenant.Privacy:Duplex: Living in a duplex means you'll share a building with tenants, which could impact your privacy.Single-Family Home: Offers more privacy as you won't be sharing the property with renters.Market Conditions:Duplex: In some markets, duplexes may offer better appreciation potential and cash flow due to the rental income.Single-Family Home: Depending on the location, single-family homes may have better long-term appreciation potential.Long-Term Plans:Duplex: If your goal is to accumulate rental properties, starting with a duplex can be a good way to get into real estate investing.Single-Family Home: If you prioritize a more traditional living arrangement and don't want to manage rental units, a single-family home might be a better fit.

If they choose to enforce it and someone argues I was only selling a contract, but they advertised the property it will likely not fare well for them to fight the law makers who enacted this law.There are ways around this.

However, people choose to make their lives 'busy'. 

ya maybe being able to choose your own tenant and disregard discrimination laws for race religion sex disability because you owner occ one of the units.. falls under something different but it is federal law.. unless prohibited by state county or city.. the owner of a 1 to 4 unit who lives in one of the units does not have to follow the selection rules..

A lot of people choose the more suburban / less dense areas in Ewing or Hamilton when they can find a place that works for them.