Although I typically prefer to work with mortgage brokers as opposed to banks, I would suggest reaching out to some local banks, possibly credit unions, and see if any of them have different loan stipulations that would allow you to purchase the owner-occupied duplex without a cosigner. 

Experienced snakes in one occupied unit days after property was purchased Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Stabilized means no construction and occupied. 

I think you need to occupy the property for two years before you can qualify for a second loan.

They typically will only let one of the partners owner occupy if the other partner is an immediate relative.

The building will offer short and long-term lease offices as well as conference room rentals and other rental-type amenities.Also, my sister wants to partner with me, so we had originally planned a two-member LLC.The local bank I use said this arrangement won't work if I want to get a 10% down SBA owner-occupied loan, because the ownership of the business leasing the building has to be the same ownership as the business buying the building (meaning I would have to be 100% owner of both - no partner).

I just went under contract on a multi family property.     The current tenants have been there for years.    The current landlord has let the tenants run the show.    There are numerous lease violations.     I have no...

Another thing to think about is what alternatives do you have other than a conventional 20% down owner occupied loan or a 3.5% FHA loan.

Do an owner occupied cash out refi at 80 LTV.

I’m mostly a podcast-listener, but I’m here on the forum to get advice.I have 2 rentals (GA & TX) that are on new 1-year leases.My wife and I are planning on buying a larger house in CO and we’re wondering if it’s common or even possible to sell the occupied properties.If so, is market value expected?