My biggest concern is with affording the down payment combined with any closing costs or fees that come along the way.I've been speaking to a few different loan officers, and the consensus seems to be that conventional loan programs for a duplex property type require at least 15% down. 

I would also look into homeready loans or the bank of america grant program, they might be better than the FHA route.https://singlefamily.fanniemae...https://www.bankofamerica.com/...Not sure if that helps at all, happy house hacking!

These are just a few, there is a myriad of programs out there, just need to write down what you want and expect a program to do for you, then take it from there!

That is a perfect opportunity to get an education on wheels, meaning listening to podcasts, real estate books and programs while you drive.I know people say that anyone can do anything, but that just isn't true.

With that being said, there are pros and cons to everything and there are a lot of decent folks on these programs.

Flood Insurance rates from the National Flood Insurance program (NFIP), the traditional flood coverage from FEMA, have been rising and will probably continue to rise.   

Some parents want lots of AP classes or special Ed programs or diversity in their school.

There’s not a limit on the number of times you can use the Veteran’s loan program because it’s a lifetime benefit.

Does anyone else find their investment cities providing solid grant programs?

Not sure what they have now Auction Financing Program 65% LTC / Winning Bid65% Loan To Cost10.5% Interest Per Annum3 Points12 Months termsLoan Extensions AvailableNo Pre-Payment PenaltyBusiness Purpose Loans OnlyValue AssessmentRehab Money If NeededProperty EvaluationEducational Courses