If you need assistance with other ideas if you can’t pay send me a message  I don't have $12,000, at the moment.

@Angelica Valde let's assume for a moment that the loan won't care if you re-zone it after closing (which is the most likely scenario)...how would you qualify for the loan when you refinanced?  

In terms of cash flow, given that I'd be living in a unit, I'm not focused on cash flow at the moment until I refinance out and move out of the duplex. 

I like investing in Single Family homes and I'm thrilled to kick off a discussion on the incredible world of single-family investments.

Unfortunately I don’t have 20 percent down at the moment.

“Ideally we would like to sign a longer term lease and it would be incredible if we could do it at a reduced rate” please keep in mind this tenant have asked multiple times in the past that want to purchase this property and we have said ‘no’. 

At the moment , I haven’t contacted the title company just yet.

That's why I suggest asking the question from the perspective of why it's being treated like a sale vs. asking about the consequences of the transfer...and maybe the posters State is part of the answer.Obviously there are many personal facts not included here any one of which could be the "aha" moment for understanding what is going on.

The 1% rule is not happening at the moment. 

I’m more concerned with wealth than cash flow at the moment with 0% down, but my biggest fear is not having the flexibility to continue my stack or get out if needed.I’ve ran the numbers as if I was getting current rents at 4.25%, BP suggested market rents at 5.25% in the second year, and the upper range of current market rents at the 6.25% which would kick in year 3.