In my town and where I would like to buy, duplex is not very common.

If somebody could explain some common terms in real estate or point me in the direction of where I could learn more about real estate terms I would greatly appreciate it!

In the competitive market we find ourselves in, utilizing any advantage you can will prove to be profitable over time.

I dont think it is subject to review from a practicle purpose I am not sure how they would even begin to review such things as these types of loans are common and mainly undocumented from a governmental perspective.

@Jason DiClemente I think you're being too generous about  them not caring about personal DTI. as a first multi and not much history, personal financials will be an important factor)-credit score doesn't get whacked too bad after your credit utilization goes way up-have 6 months of reserves, and maybe more -property is profitable to support both debt servicesthen you can probably knock this out.

What makes you think she will be any better with the taxes the utilities the mortgage or the insurance ?

We would look to rent the 3/2 side for about $2,000 including water and utilities. 

So, after that 15 days does/should it become available to the common investor for a non-owner occupier investment?

There is also the chance of offering covered parking at additional cost to tenants, storage, charging utilities back to them if they are not currently, etc. 

The listing states that the HOA fee is used for “common area maintenance”.