Yes, it can, don't let any lenders/title/escrow people tell you otherwise. 

There is an APP "Chicago Title agents"that can will calculate the closings costs, down payments and cost breakdown for you.

Thanks in advance for everyone's input on the topic and sorry for the long title.

However, I will use a trusted local title co to complete the transaction with a FSBO contract made legal with the county. 

Don't know specifically about the Homestyle, but if the half plex is titled individually, yes it is SFR, just like a townhouse or condo.

Not sure about ohio but in Florida you need to file a quiet title suit.  

THen to file quite title action in superior court.

Closing to closing less than 45 days due to issues with title.

. Ownership of a manufactured home and the land on which it is situated that is titled as real propertyType of Property Ownership NOT to include in Financed Property Count: Ownership of commercial real estate. Ownership of a multifamily property consisting of more than four dwelling units. Joint or total ownership of a property that is held in the name of a corporation or S-corporation, even if the borrower is the owner of the corporation and the financing is in the name of the corporation or S-corporation. Ownership in a timeshare. Ownership of a vacant (residential) lot. Ownership of a property that is held in the name of an LLC or partnership where the borrower(s) have an individual or combinedownership in the LLC or partnership of less than 25% and the financing is in the name of the LLC or partnership. Ownership of a manufactured home on a leasehold estate not titled as real property (chattel lien on the home).

Taking title makes all the difference!