I will absolutely concede that by the definitions you used above a duplex would be a single family.  

I don't really see our primary residence as an investment and I will concede that it doesn't produce income (most personal residence don't)...but it dose provide my family a tremendous dividend: a comfortable and enjoyable residence.

In that very rare circumstance you describe, I'll go ahead and concede. 

I'm willing to concede that there are yet more liberals within the republican party that need to be removed from positions of authority.

I'm sure that my endorsement would yield sale for Phil or any anyone selling materials, not to be conceded about it, but I think there are at least two people here who might value what I have to say (LOL).I'm tuff on canned programs, but so far as to what I have heard, I am not finding anything to bark about.

I am forced to concede money comes first but by the same token there will always be incompetent landlords and licencing will never happen.

I concede that this will be difficult to execute in Charleston (affording a house with STR potential as a FTHB straight out of college), so you may have to take a stair-step approach.In the meantime, get involved with the local REI community.

Alright, I will concede to this, the Hayo Miyazaki stuff, not just Howls (not even my favorite, just the most recent) but everything he does, is in a league above all others I listed.

I'll concede the fact that you do pay significantly less interest with the 15yr plan, but my response would be, "So what?" 

Try to avoid the 4pts and 15%.....that's really expensive just to avoid the 15% down.Since I have a full time career, my REI is part-time, I conceded to using a property manager to be able to even try the fix/hold rentals.