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Thinking about buying a Tampa Bay home that has an accessory dwelling unit — a garage apartment, detached cottage, or in-law suite? Here's how Florida DPA programs treat ADU properties, how rental income counts, and how to make it work.
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Florida DPA programs including Hometown Heroes and FL Assist can be used on 2–4 unit owner-occupied properties. Learn how to buy a duplex in Tampa Bay with little out of pocket and use rental income to offset your mortgage.
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Down payment assistance solves your upfront problem. Florida's homestead exemption solves the ongoing one. Here's how first-time Tampa Bay buyers who used DPA can stack both benefits and cut their housing costs for the life of the loan.
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Should you tap your retirement account or use a DPA program to cover your down payment? In most cases, Florida's DPA programs are the smarter move — but there are situations where using both makes sense. Here's how to think through it.
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