@Seth Borman, Can you point to the text that excludes the duplexes from owner-occupancy?

SB 9 prevents profiteers from evicting or displacing tenants by excluding properties where a tenant has resided in the past three years."

The parent must file a gift tax return annually, and any remaining balance is included in the estate.If the home was your primary residence for at least 2 of the last 5 years, you may exclude up to $250,000 ($500,000 if married filing jointly) of capital gains from taxes.

Depending on the loan product, you may be able to exclude business debt once the business has paid the debt directly for 12 months.The income and losses related to the operation of the entity will affect the income side of your DTI (like Jay explained) if you own 25% or more of the entity.

And even kids know that there isn't a car factory behind the dealership (Tesla excluded) making 6 different brands of cars for your convenience.

If we hypothetically exclude the remaining 28% from my list, then the new response rate would be 0.55% (2 out of 360 instead of 2 our to 500).Disclaimer - I am only looking at counts, not individual properties. 

Where the term “appraise” or “appraising” appears in the definition of the term “broker,” it specifically excludes those appraisal services which must be performed only by a state-licensed or state-certified appraiser, and those appraisal services which may be performed by a registered trainee appraiser as defined in part II.

Ask them what their current lot rent is and what else is included/excluded?

However, if you sell instead of rebuilding, the IRS may include part of the payout in your taxable gain unless reinvested under the §1033 involuntary conversion rules, which allow you to defer taxes by purchasing a similar property within two years.If the property was your primary residence, you may exclude up to $250K (single) or $500K (married) of gains if you lived there for at least 2 of the last 5 years, likely resulting in no taxes owed.

This is just for closing costs +  prepaids, excludes discount points.