Why can't a multifamily property be sold to an owner-occupant?

[Valerie M.]

Greetings all! 

I am new to real estate investing. I've been looking into small multifamily (1-4 units) in Baltimore. My strategy would be to buy as an owner-occupant to take advantage of FHA financing.

While trying to set up time to view a property, the seller's agent requested that I send "proof of funds to purchase or lender letter ( commercial loan) as well as proof of funds to close prior to scheduling."

After sending a pre-approval letter, he responds again:

"She will need at least 10% down ( most likely 30%) as this will have to be a non- owner occupied investment purchase. Seller has been thru the ringer with unqualified buyers. She will not allow showings unless prospective purchasers demonstrate they have the ability to purchase her property."

I am just curious:

(a). Is it common to have these kinds of requests before viewing multi-families?

(b). Why does the seller believe that I could not purchase the property as an owner-occupant? 

Thanks a bunch for the insight!