Will this property be seen as SFR or Duplex?

[Ji Fo]

Hello there! I’m new to Real Estate Investing and in the process of purchasing my first property. I came across a listing that I like and have a question about how the listing will be viewed from the Lender’s perspective, so that I am able to pursue financing that makes the most sense (and cents).

The property is listed as a single family home, but is referenced as previously being used as a duplex- I believe they have separate addresses.

Has anyone gone through this specific scenario? Did it come down to you negotiating w/ Lender to view the property as one property type over the other based on which would give you the more favorable financing terms?

Background: this will be my RE purchase, owner occupied, prefer a low down payment 8-10%.

[Ji Fo]

I’ll get with agent and confirm with the city on the actual zoning on the address. If it is not able to be used as a legal duplex it will affect my strategy.