I am in RURAL East Tennessee transplanted from San Diego where I was a teacher and did have RE Agent lic.

Hola Biggerpockets people,I am a new investor, recently transplanted to Los Angeles via Tacoma, WA > Pullman, WA > San Diego, CA > Washington, DC > HereI have been on Biggerpockets for some time now, and may have even interacted/posted here and there in the past.

You can still get owner occupant financing for a 4-plex, you can live in one of the units (live rent free or no house payment) and it will generate enough cashflow or passive income.Of course, this assumes there is good demand for 4-plexes (rent-wise) in your area and you're OK living in those rental areas.

I am also a transplant to Tucson, AZ.

I'm a Buffalo transplant down in Charlotte and would love to network with some fellow Buffalonians.

This allowed them to live rent free, get in with very little down (fha 3.5%,USDA if applicable 0% and conventional 5%), and lower interest rates.

However, I am not sure how I could get the numbers to work such that I live rent free with a plex living in a decent neighborhood in Orange County or San Diego, which are my only two options, since I will have to use FHA financing since I do not have the capital to put 25% down on a decent plex.And unless I live in the ghetto, it seems that I would still be kicking cash out the door unless I can find an EXCELLENT deal, but unfortunately I'm not sure I have the experience to do so.  

Transplant ;) so thanks you for sharing your local knowledge.I have a 5 unit in west view.

I am a NY transplant myself (grew up in Queens), and also invest in KC.

Many of our friends live rent free allowing them to save up for their next deal!