But I guess I would be gambling on speculation and that’s not a wise move. 

it's a real gamble, especially right now with so much demand driving auctions up.

It seems like a big gamble to guess at which option is more secure.

If the second unit does not have its own electric meter it should still work (worked for us,  we bought a home with attached apartment with our daughter who was a college student) also if the appraiser classifies the second unit as an accessory apartment or mother in law unit or casita instead of calling it a "duplex"   We're taking a gamble on a property right now where the underwriter said he believes the appraiser will be classify it as a single family with accessory unit (fingers crossed) this property is two separate homes with separate meters, so there's a chance appraiser will say the dreaded "duplex" and we wont qualify. 

The possibility of an error that could cost tens of thousands is not worth gambling.  

I'm willing to accept some risk, but I'm not going to gamble.

That’s called gambling my friend.

It was a huge gamble because I had never invested in Miami before, let alone out of state at all.

ANd they say appreciation is gambling  LOL.. great job great gambles perfect timing all the star's aligned congrats !

It is a gamble and I know the past few years were stable, but we are going into an unknown lending period.