Mortgage for Toledo,OH property

[Fidelis O.]

I would like to know whom everyone is using for their mortgage and what rate you’re getting these day’s

I am looking at a duplex in Toledo,OH and plan to put 20% down.

Do you get better rates if you plan to live one side of the duplex? What happens if you then decide to scale up and rent out the side you initially lived in? Does the affect mortgage/insurance etc.

Thanks