1st time buyer: multifam both units occupied

[Cody Barrett]

First time buyer here looking to start REI. Buy and hold strategy. Found a nice 2 unit multi family with both units occupied bringing in 1550/month. Asking price is 135k.. When I go for financing I will have to do an owner occupied loan because I won't get financing for an investment property because I am young and only have credit card history (all positive).. One credit union will work with me on a 20yr fixed at 4%. Too many points for a 30yr fixed they expressed. Maybe a big bank will be different? Anyway, main question here is, will the Lender require me to kick out one of the renters if I made the purchase? I assume it is illegal for me to not live in it for at least 1 year if I tell the bank that is my intention. I could be wrong. I would love to not kick anyone out and keep the rent rolling in because I live for free currently (student with awesome parents but I work part time w/ a bank) Currently have 20k to play with.

Thank you so much for your time and reading this!

Cody B