As long as you are living in one of the units it is no different to get a 2 unit than a single family. in fact, if the 2nd unit is rented you will be bale to use 75% of the lease amount as qualifying income. i have done several of these purchases for friends and family over my 8 years of specializing in government loans. Be carefull about moving up to a 4 unit. HUD does not impose these guidlines, but many lenders will restrict LTV and / or require landlord counseling. Finally, Express path financing is nothing more that a repackage DE endoursed loan. Lenders that meet HUD's requirements are able to underwrite the files internally and not send to HUD (direct Endoursement) Express path is allowing some brokers (non mortgage banks) to have some of the requirements waived so that they can act in the market place like a direct endoursed lender. there are a lot of lenders that are jumping on the FHA band wagon this year. It is important that you work with a lender and Loan Officer that has the experience to get your loan closed smoothly. Check references. Are they a member of the Realtor Board in your area? Are they a memer of the ohio Mortgage Bankers Association? If you would like to send me an email i will be happy to provide Realtor and attorney referrences. My firm closes as many FHA loans in one month as most LO's do all year. (source is Mortgage Originator Magazine).