Hi there,Considering a duplex as your primary home and renting out the other unit is a great idea, but you need to understand how interest rates work in this scenario.When you buy a duplex and plan to live in one unit, you can still qualify for a residential mortgage, which typically has better interest rates compared to commercial loans.

You can also find agents and lenders via the Find An Agent or Find a Lender tools.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer. 

your talking about redlining  .. i have a client there that has over 250 row houses and each one got financed to take me out of my buy rehab loan. 

They have low interest loans which make buying their property subject to their existing mortgage a great exit strategy for these sellers. 

I live in Phx,Az , where should i apply for a mortgage loan first at my local bank (wells fargo) or use a broker, a lot of people here tell me to start with my bank as they have all my info, if i get pre approved anywhere i wouldnt be committed/obligated to go along with the deal right ?

Arm Loan - 5.250 (after five years the rates can go up 1.25%  ( I will need to refinance before year 5)  

Whether it’s the holidays or just an inconvenient time, acting with urgency can be the difference between a massive payday and missing out entirely.In this industry, every hour matters.

Tons of support here so ask away.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.

If you believe I should take the loan, I would appreciate hearing why.Thanks, Hadar

You should still buy an owner occupant in your local market always though to use the low money down loans and interest write offs.