I am a Realtor in Collingswood who happened upon Real Estate as a career because of the Duplex I bought 10 years ago, before I was in sales.. Yes, you can use rental and future disabilities monies to purchase a Duplex, "IF".. that "IF" depends on your answers to the questions in these previous responses, all of them and more! Ms. Madley makes a good point. There might be a way you qualify for a Duplex, you have your eye on, I would be happy to help you explore your options. My office is located downtown in Collingswood on Haddon Avenue, across from the Pop Shop, feel free to stop by or give a call.