Originally posted by @JR T.

The energy and commitment you have is really inspiring sir.  

One advantage is those individuals can commit to long term plans say 10, 15 years and longer, even 50 without needing access to the money. 

This is not a cell phone contract with AT&T where you have to sign or not buy the service.

Tell her to read, Rich Dad Poor Dad by Robert T.

I'm just going through the motions, not really committed to buying.

I plan to purchase a duplex for residential purposes for the first year while renting out the second unit, and then begin t rent out both the units as my residential prerequisites are fulfilled.

As Chris T. states, that's the value of a good inspector.

So, can't commit.

For folks committing occupancy fraud (which I'm sure you aren't, but there are lurkers reading this too) LTV of other recently purchased properties can be a give-away.