If the market is such that no single family property cash flows, better to look at other types of assets.

I live in Lehigh (save a ton of money that way) and I also own a single family rental in Lehigh that has great tenants. 

These programs are set up for both single family and 2-4 unit Multifamily homes but must be occupied as primary home.

You could also look to raise capital from family or friends as a good start.

Hey I am new here and to owning a multi family.

I am a new agent with no investment portfolio but am very excited to learn what's needed in order to grow my investment community to build generational wealth and a financial freedom my family will be able to use for a lifetime.

Investment Info:Single-family residence buy & hold investment.

For that reason, I am looking to purchase a duplex or a single family with either an existing ADU or potential to add one. 

You can typically only have one FHA loan at a time (usually must occupy as a primary for a minimum of 12 months), but there are some extenuating circumstances such as a growing family or moving to a bigger property closer to work that would enable you to apply for a second FHA loan before departing.

@Garrett TjoeMy understanding is that you do not need separate utilities if the ADU is added to a lot with an existing Single Family Residence (SFR).