You could consider listing the two units separately but pointing to the other listing and offering to combine them for a reservation, but that reservations won't line up and it may not work well. 

If you intend to live in a unit get to know the FHA  loan for 2,3,4 plexes and use that.Make yourself into the borrower they want, ratio's down, cash reserves--different lenders may haev a little different requirements between them.Some other smaller bank held loans (portfolio loans) may be 20% to 35% down.Focus on getting the down payments while keeping an eye on any net worth requirements the lenders may have for you personally.The more down payments you can get the faster you can grow.Many people hold their assets in an LLC, or LLC's (not a Corp), many others use an Umbrella Insurance Policy--it's a decision you will have to make.You are looking for Cash Flow.

The thing with Jumbo products is that each lender can make up their own rules - which result in a variety of qualifications that vary from lender to lender.For your specific example under today's conditions (8/8/2022), a $3M Purchase Price at 20% down will get you the following: - With a 740 Credit Score: 6% interest with about $200 of lender credit ($6000 in lender credit if you have an 800)- You will need 18 months of reserves (PITIA of the new property x 18)- Likely 6 months of reserves for the departing residenceLike others have mentioned, you should shop around for Jumbo products since some lenders have opportunistic terms that are dependent upon their investors at the time.

Here's a breakdown of the numbers:Income:Rent (4 bedrooms at $850 each excluding utilities) = $3,400Mortgage Payment: $2,326Property Tax: $767Homeowners Insurance: $250Mortgage Insurance Premium: $243Maintenance & Capex Reserves: $272Vacancy: $170Total Expenses: $4,027Although it isn't immediately cash flowing, I'd be living there for only $627 a month after accounting for capex and vacancy monthly.I'm open to all suggestions, thank you!

. - Assets - This is cash in your account or assets like retirement accounts that can be used for either closing costs or reserves.- Credit - This is your credit history and represented through a score.

I've had hard money lenders offer an interest reserve but keep in mind you're paying interest twice if you set it up this way.

I have a 100% fix-n-flip loan where you would need to cover closing costs and maintain 6 months reserves (mortgage payments for 6 mos). 

i can't tell from your post.in addition, you should have reserves just in case a major item goes out. 

One great system we have implemented into our STR management company is the use of what we call "concierges" or people that will go and check the property after each and every reservation with a "Walk through" or a checklist of all the things that should be ready for the property to be ready for the incoming guest.

Have some reserves for the above and Expect Surprises.