Do lenders treat two-family homes differently in Johns Creek?

Lenders in Johns Creek do treat a two-family or duplex property differently from a single-family home, often requiring a larger down payment or a specific loan program built for multi-unit properties. Some allow projected rental income from the second unit to count toward qualification, subject to appraisal and lease documentation. Owner-occupied duplexes can sometimes still use FHA or VA financing, while non-owner-occupied ones typically cannot. Confirm the exact requirements with a lender before you write an offer.