@Brooke HallockBuy a single family with a carriage house on the back.

Yes, if it's a SFH with a mother-in-law suite or carriage house or something, then you can rent one of the other units.

Renovated with new TPO roof, refrigerated air/ furnace, carriage house garage door, large windows, engineered wood flooring, new ceiling beams, doors & trim throughout.

Renovated with new TPO roof, refrigerated air/ furnace, carriage house garage door, large windows, engineered wood flooring, new What made you interested in investing in this type of deal?

ADUs, carriage houses,  casitas, MIL apts, etc are far from your typical plex where you live in one and rent out the same floorplan to others.   

I found an off market property that is significantly aged “1877” brick colonial duplex, with “carriage house” in rear.

If you're on the MLS look for properties that say "potential for growth" or "potential to add additional unit" or maybe something with a carriage house.

Be that the traditional rent-by-the-room model or finding a home with a basement apartment or carriage house. 

So you are putting the carriage before the horse asking for loan programs.

I am buying a property to live in, which has an attached carriage house with 2 current tenants.The previous landlord passed away, and there are no leases.