Essentially you are not dividing the lot, but rather creating an HOA layer that controls both units so you can sell them separately with the common HOA.

It essentially guarantees they open and read my letter.

I meant that I'm comfortable with my business plan and therefore my concern is essentially the "unknown" things I'm not thinking about due to lack of experience.

@Dario Martinez, ultimately sellers are looking at their net at the end of the day, so if you are willing to offer $7k more and ask for a $7k credit toward closing costs, as long as it appraises, you can essentially finance the closing costs into the loan.

It is essentially an advanced rents account. 

Most newer property, single house/plex/condo, are at about 0.5 ration, so essentially it is barely break even, or you may end up paying out of your pocket for $100 a month.

Essentially, portfolio lenders are the folks to approach if you are looking to work around that seasoning period as they have leeway over what risk they are willing to stomach for the note rate.On the flip side, correspondent lenders play by a different set of rules.

There's essentially no negotiation with HUD properties -- just put in your offer and see what they say.

Also check to see if fees have been more or less regularly increased over the past 10 years, or if they have been essentially unchanged.

Essentially, you need to work backward to find a sound position of how much you should take out of your primary residence.