I'm a new Pro member and the Brrrr calc doesn't have a space for the lender covering the purchase AND rehab. so its telling me i need to bring 42k to close, but its adding the rehab to my cost to close.

If you have the parking space and laundry capacity, you could do one by the room.

I’m not against using different color in bathroom vs kitchen or living spaces. 

Welcome to the Space Coast @Niv Kaikov!  

The duplex made more sense at my stage in life as I am close to 50 and spent my first 25 years of adulthood running Bed and Breakfasts with guests sharing my living space every day.

But most of the work on a flip is interior anyway and it usually takes 12 plus weeks, so you can try and wrap up exterior still in November (special low temp paint) or wait until April.Make sure you have heat, if necessary bring in space heaters.

@Luis Caracosa, I appreciate but this will be my first unit and I think at the present time I would like to work with someone who already is in the space. 

TLDR, that loan originator, X years ago, had a loan denied b/c someone was buying a 2-4 unit property within 50 miles of their current primary, and they don't do a lot in this space, so they think it's a hard/fast rule, when it's not.Reality: assuming you don't need to count rental income from your departing unit, and assuming that owner occupancy makes sense (more on this in a bit), you will be fine.

As you know, you won't get the same amount of interest right now compared to the spring and summer months, so you could easily do a 4-6 month lease to start with the new tenant, and then raise the rents to market or re-rent it during the prime rental months of April-August when there are way more people looking to move. 2) I wouldn't let your place sit vacant since it sounds like a wonderful home, and there is still a lot of demand for rentals, especially detached single family homes.3) Most travel nurses rent studios and one bedroom type places/basement apartments since they don't need all that space, but it wouldn't be that impossible to find 4 travel nurses, maybe a little more work on your part.  

I would love to put him in touch with an agent or two on the island who understand this space well.