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By: Marc Augustine

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I work with many small business in acquiring loans and I also investing in duplexes in 3 different states. It is true that lower unit properties have much more flexibility with lending and this is because the risk is reduced. The more people you are depending on to pay your mortgage or loan, the higher the risk for vacancies and so on. This is not meant to be a blanket statement that accounts for all scenarios, but this is one reason the bank treats the lending for property like this. I have seen banks get tight in 2009 and they got a little easier to deal with in 2011.


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