Not an easy one, but possible. You may need to talk with a few lenders to find one that can do this workaround. Who will live in the 2nd family unit? Your income may need to be able to cover the entire mortgage or at least most of it. Lenders usually won't count all of anticipated rent from that unit as income toward making the mortgage payment.
It's really worth your while to speak to a few lenders and understand the price point at which your income will allow you to purchase.
Best of Luck!
The Rifkin Team
Keller Williams Realty
Good luck and best,
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