Most people with school aged children put house hunting on the back burner during these months.

@Jaysen MedhurstYou mentioned not being crazy about the terms.

Since there is no debt there is significant cash flow that I need to maintain for the health and well being of an aging parent, so I will be trying to keep the payment within a range of 6-6500 a month.

After reading @Cesar Avendano's post, it reminded me that the banker I was working with on my FHA loan mentioned something about his bank also requiring 15% down on a duplex (even owner-occupied) when going conventional.

And as @Russell Brazil mentioned expect a haircut.. 

@Scot Howat he didnt mention that he was occupying the property.

@Charlie MacPhersonExactly how I mentioned it.Wrote on a BPO report "property located on a quiet, tree-lined street." the vendor took out "quiet" and sent me a message about not using quiet anymore.

As @Theo Hicks mentioned, Apartments.com is a great way to find apartment buildings in a specific area.

@Terry Mclain - thanks for mentioning me!

You mentioned the roof is not in great condition right now.