Some technical perspective:As you now know, your GC told you a story.

This is not 'technically' dual agency as Dual Agency would be saying that the selling agent already had a relationship with the buyer PRIOR to having the listing and brought them in.

This replacement of non-like receptacles, forced the technical committees and code writers to come up with language in the code, identifying this practice as not up to code and creating language that would allow enforcement of this practice.

Gift funds are technically allowed and will approve with good credit - the higher scores you first mentioned.With a lower credit score of 640 - you will have to bring some funds to the table - down payment to get it to approve in the system.

While he could "technically" get away with this he is ultimately lying to the bank if he is not actually living there.

Make sure you keep the records/communication about it being one parcel - if you sell in the future, you don't want zoning to say it wasn't a duplex and give you a headache because of a technicality.

However, he stated that technically, the mortgage company can call the loan once the property is transferred.

Technically, if you sell to an LLC your lender could demand payment in full.

I get a bunch of spam related to commercial financing (technically my license allows it) but never read it.

@Ross YeagerSome quick thoughts: Technically you might be violating the Pennsylvania law that states something along the lines of only salespersons and brokers can manage properties for others.