These can be combined with home value, property type, owner age, length of ownership and have both absentee and owner occupied.Good luck 

Assuming a combined value of $700,000, 65% = $455,000.

My plan is to combine the two sides under one title as a duplex after purchase and then refinance to the 2.75% primary residence rate on the entire duplex, saving .25% over the long term.However, I also know that a rental property has certain tax benefits that a primary residence doesn't, like the ability to claim depreciation deductions. 

@Yawiney Yawiney The amount of your cap gain, above your exclusion, gets Added to your income...that combined number is the number that determines which cap gains bracket you fall into. 

He's buying 4 small MF properties in the same town (11 units combined).

My question and concern is 1) I plan to try and establish a land contract/seller finance agreement but I am concerned when it comes time to finance out I will not be able to put a mortgage on the property. 2) the other option would be to use creative financing some combination of refinance the 4 unit or line of credit plus my reserve funds plus private money but again not sure if I would qualify for refinance or line or credit. 

I currently own a four-plex and a duplex.  I purchased the duplex earlier this year via a cash out re-fi from the four-plex and walked away with 19k at the closing.  I'm currently looking at another duplex and I am cu...

Total combined purchase price is $120k with $25k rehab resulting in about $80k of forced appreciation.

Like in football, if one team has only one player and the other has a full field of players--the more people team will win.In short, your efforts (combined with the efforts of others) might be more powerful (help more people) than going it alone.And you can make a lot of like minded friends along the way.Guys like Tony don't make things happen all by themselves--they team up with others: https://www.feedingamerica.org/about-us/partners/current-promotions/1-billion-mealsGood Luck! 

That combination is going to get you the best policy for the best price.