However, after looking for multifamily properties in surrounding areas on listing websites (such as Zillow) I have found that any duplex I find is either a) nowhere near where I work (+1 hour commute time) b) seems to need A LOT of renovation work or c) is out of my price range that I can afford.

Our city counsel and mayor are for the most part against them (they see them as a primary reason for our affordable housing issues). 

Buy sf retail properties at the average joe can afford (hopefully at a discount).

If you can't afford one is there a pro bono one that might provide some advice?

Also what type of loan would you need for the rehab and what could you afford each month in holding costs.4.

I'm currently covered on my 2 family in NJ;  however I'm looking for more affordable options.

I try and track trends and that's just my take, even with folks saying expensive real estate is pushing young folks to smaller, more affordable locales like Austin, or Raleigh-Durham or whatever.

Can you afford to pay the extra 1% if you don't put 20% down? 

I would make sure whatever you buy you can afford to hold it without renting it out if you plan to use it.

I was thinking if she can’t afford to pay for it that I can take it out from her security deposit.