General terms on permanent financing:Is the below pretty much standard?

Nope, they exist because a lawyer figured out a way to help his clients transfer unlimited wealth and permanently protect it for future generations with 100% certainty in spite of what 'experts' claimed at the time.So, that is why I said what I did.

If zoning requires the home be “modular” or installed on site as opposed to transported on a permanently fixed I-beam than you will have to order it as a modular home in the style of MH Advantage.

The bank could also sever their relationship with you permanently if you took that stance.

I assume  a primary purchase Ask your  lender  for  a conventional loan option and  compare .....FHA  worth  avoiding  if possible  because 1) monthly mortgage insurance  is  permanent and more  expensive than  mtg ins on conv loans and  2) FHA  requires upfront mortgage insurance  premium thats   high  ( 1.75% )  which can  be  financed  but its  still a  hefty amount   and  conventional loan  doesnt  have this 

I'm trying to relocate and live over there permanently.

@Nicholas Gray It sounds like your being quoted on a Fannie Mae 30 year fixed with 15% down because its an owner occupied duplex. 2 other programs you can consider that will have a lower down payment are an FHA with 3.5% down with permanent MI. or you can look at a Freddie Mac Home Possible with 5% down & MI that can be removed at 78% LTV.

Be aware, however, that loans with less than a 20% down payment will permanently carry mortgage insurance and their rate is higher than other lenders.

If you use DSCR loans as permanent financing, you could be locking yourself into loans with stiff prepayment penalties that usually have a 5-year prepayment step-down penalty.

Also, be on the lookout for places you make permanent improvements on for an increase in value.