Can you finance each unit of a duplex separately?

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If you're planning to by a duplex as a house hack, can you purchase each unit separately? Financing one unit as an owner occupied property (low money down like 5% conventional) and the other as investment property (20% down conventional)? Why I'm asking: So, as a hypothetical, if I bought a duplex for 500K, but I'm only approved for up to 400K on a loan, I'd have to cover the additional 100K in cash. But, if I bought 1 side for 250K as an owner occupant, I could put $12.5K down on that side, and 50K down on the non-owner occupied unit. So $62.5K down total, vs. $100K+ for the same property. Is it possible to finance a property in this manner? If so, does each unit have to have its own address? I see some duplexes with one address, and others with two. Still learning the small multi-family game and would appreciate the info! Thanks in advance, Taylor