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Can I buy a duplex as my first home and rent the other side?

The short answer

Yes. Owner occupied two to four unit properties use primary residence financing, which means a much smaller down payment than an investment purchase.

5 min read

Why the math is favorable

If you live in one unit, the property is a primary residence. That unlocks lower down payment options and better pricing than a pure investment purchase, while the other units help carry the payment.

In many Pennsylvania towns with older housing stock, including parts of Lancaster and York, small multi unit buildings are genuinely available at entry level prices.

What to consider honestly

You are becoming a landlord and a neighbor at the same time. Screening, leases, repairs, and the occasional awkward conversation come with the arrangement.

Budget for vacancy from day one, and qualify on the assumption that the other unit sits empty for a stretch. If the payment only works when it is rented, the plan is fragile.

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Corie Adams Lending Team

Corie Adams
Producing Branch Manager · NMLS #1875205
Network Funding, LP · NMLS ID #2297

Equal Housing Opportunity Lender
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Disclaimers, assumptions, and state licenses

Corie Adams Lending Team is a branch of Network Funding, LP. Network Funding, LP, NMLS ID #2297, is an Equal Housing Opportunity Lender. Licensing and state disclosures are available through Disclosures & Licensing and NMLS Consumer Access (www.nmlsconsumeraccess.org). This website is not a commitment to lend. Rates, programs, payments, and qualification requirements are subject to change without notice and may vary based on individual circumstances.

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Payment examples shown on this site are illustrative only.