@David N.there are some  lenders that  can go to 90% ltv on vacation home purchase  (  .....benefit on rental prop purchase is that you can use  a portion of the new property rental income to help with qualifying if needed ...pricing is similar for  2nd homes and rental properties 

Different portions of land and building might be subject to different tax rates or legal considerations.Calculating land and building values for tax purposes is a critical step toward maximizing your available tax deductions from depreciation.

When I did underwriting, since a portion of the insurance costs and property taxes are collected at closing, I reduced those from the first year of expenses.

Most S8 tenants now have to pay a portion of their rent.

A pro forma is vitally important, to make sure your projected returns match your budget.  

As a result, you wouldn't be able to deduct the rental portion of closing costs or other related expenses until the rental unit is fully ready for tenants.

The truth is, you don't have the intent to occupy this home year-round as a primary residence, but you do have the intent to occupy it for a portion of the year (during ski season).A primary residence is a place you plan to live for pretty much year-round.

.- **Rental Income**: Lenders may use a portion of the rental income to help qualify you for the loan, which can be beneficial.To get the best deal, make sure to:- Check your credit score, as it will impact your interest rate.- Shop around for lenders that specialize in owner-occupied multifamily properties.- Use tools like the BiggerPockets mortgage calculators to see how different interest rates and loan terms affect your cash flow.If you have more questions or need further guidance, feel free to ask Good luck with your duplex venture

I am exploring the option of selling a portion of my ownership to a co-owner (around 20-30%).

Someone suggested going for a student housing rezoning permit but I don't want it to take up a huge portion of the time of my contract or cost exorbitant amounts of money..