I don't know your living situation but if your paying x,xxx for rent or a mortgage and instead by living in one side and renting out the other you will be paying y,yyy instead and y is less then x that's great, especially if you can rent out your primary residence and make income there too. 

When you sign almost all mortgage closing packages, you are signing an Occupancy Clause that states you are intending to live in the home for 12 months.  

I have lived in the US for about 10 years. 

It always seems the people that don't live in CA or have ever lived in CA are always the one leading the bandwagon of "why would anyone live in CA?".

@Jarrod OchsenbeinIt's great to hear that you are succeeding with the co-living model.

@Ken M. we live in one, it has an attached unit, but with a door that passes through from both units.

All the rest live in other states or countries.

These type living arrangements are primarily short term until user circumstances change

I went owner occupied either conventional or FHA.  3-5% down at the time you only had to live there 1 year and then you can move out or move on. 

Where to start, choosing an agent, DSCRL alternatives or similar programs, etc.Thanks KamalDo you live in Puerto Rico?