Two flats are a great opportunity to get a nice home and have rental income to help pay the mortgage.
FHA loans are great for 2 flats but just know that if you decide to buy a 3/4 flat the guidelines do change. 3.5% down and low rates in the 3's make for a great deal. I also agree with Judy that you should check on the idea of a rentable basement just to make sure your in compliance with local regulations. Good luck in your search. If you have more questions do not hesitate to contact me anytime.
Senior Loan Originator
Milestone Mortgage Solutions