Hell, if all it takes is offering out some software, i think i gotta call IT in India and get ball rolling, people paying me for chance to send me deals, LMAO, that is a new Pet Rock for sure. 

Many states have a "reciprocal license" program to simplify the process.

@Tayvion Payton   -  my guess is that you are still too far off the price, at least in the interim but it is always good to put in an offer, because they may come back to you down the road. 

The Fannie and Freddie programs handle this issue slightly differently.

Waruna,Best advice from a Banker is to build a relationship with an actual FDIC Banker that funds Nationwide and offers all programs.

Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.

Compare offers from the lenders, paying attention to interest rates, closing costs, and any penalties.

Most DSCR programs will want you to have owned the property for more than 6 months to allow you to use appraised value instead of cost.

My wife and I did our own taxes using some program (I don't think it was TurboTax, but maybe.)

Who counters offers at $1000 less then the already asking price, they want 85k I offer 35k they counter at 84k.