I've always found the worst people always end up inhabiting the ends of the spectrum.

VA loans are available for multi-family buildings as long as one occupant inhabits each unit.

Lender asks you about the property, spell it out on the phone before you apply.DSCR is not going to approve a property that is not inhabitable at closing, for this you need another type of lender.A teaser rate definition is an Adjustable Rate loan that starts low the first year then increases according to the note.This is a fixed rate loan.

After a year or 2 of inhabiting the property, refi and use that capital from the refi to purchase your next project.  

Since you live in one side of the duplex you may be able to be more selective about the character of the tenant(s) that inhabit the other unit.

The apartment is inhabitable, just no water/toilet access.Luckily, the permit was issued by late Monday afternoon. 

There is a legal doctrine known as "adverse possession" by which trespassers who openly inhabit and improve a piece of property that is otherwise abandoned may gain title to that property after some specific conditions are met.

If the illegal unit looks like it's inhabited then you will not be able to close with FHA. 

The Oregon Coast is ground zero for regions of the country that will in many ways become more inhabitable as temps rise, water dries and abundance of resources is more critical.

There's a real good chance that the lease requires them to do several things: upkeep on the unit is a big one (damage to property), weeds outside and landscaping (which encourage pests and insects to inhabit the property), pets authorized or not, additional tenants on the property that are not on the lease.