Instead of a condo with HOA dues, owner-occupy one side of this complete duplex, and get an FHA, 30-year, four-point-nine-nine interest rate, AND your effective monthly payment is reduced each month by the rent received from the other unit. Further, unlike a loan qualification for a condo, here you qualify at the net-lower payment, affording you more to buy. You are the master of your own property, gaining appreciation in a duplex investment property, not in a condo within a building of other units, subject to HOA rules and increasing HOA fees. The seller has purchased the lower rate allowing disclosure of the lending details. Call the agent for complete details.