It depends on a couple of things.
What type of loan do you have on your duplex? Is it FHA,VA or Conventional?
How much equity do you have in the duplex?
How long have you rented out the 1 side?
What is your middle credit score?
What is the reason for the move?
The answers to these questions will determine which type of financing you're eligible which will determine how much money you need for a down payment.
Here is a list of the programs and the down payment required for each.
FHA - 3.5% - you'll need a mid score of 620 or better
Conventional - 5%
VA - zero/ no monthly mortgage insurance
USDA - zero and no monthly mortgage insurance
Yadkin county is eligible for the USDA no money down loan so that will probably be your best bet.
Feel free to contact me for more information or help.... more
Not knowing your financials, existing mortagage if any, etc. Start by visitng with any qualified loan officer(s) first, see if you do qualify, see exactly what your budget can handle and have your credit checked as their scoring is often different, then go from there. If you still wish to sell and as you say it's not moving--make sure your marketing is maximizing your exposure, make certain you are priced on target--review recently sold similar properties in the immediate area--then determine if you are competitively priced, if not adjust accordingly; make sure the property shows well, is neat, clean, clutter free and don't forget the exterior for curb appeal--do keep in mind that a home is worth what someone is willing to pay for it, not what the sellers needs or potential buyer can afford to spend, market conditions do matter.... more