Owner occupancy for HUD bidding and purchase

[Cherie Ganesh]

I am a commercial re broker in Memphis and own multiple commercial and residential properties. I have a person who helps us with maintenance on our SFR investments who needs a place to live but has limited resources so we're looking at a new HUD listing in Memphis, TN that's in a pocket we would typically invest in. Since only OO bids can currently be made, if we do a bid showing my husband, me and the handyman as purchasers but only my handyman being the OO, is there a minimum percentage of ownership required by HUD for the sale to be legal OO purchase? Also, we want to make a bid that gives us best opportunity for acceptance by HUD so planning to not ask for any closing costs from HUD, no buyer broker commission, and cash closing ASAP. If we offer 90% of asking price and no one overbids asking price, should that put us in a favorable position? Am I correct in assuming if not buyer broker commission that only commission HUD pays is the $1250 to listing broker? Property just went on market on day ago. Thanks for all input.