If not, its iffy, have seen it go both ways, but the long time that it has been verifiable (1972) speakes strongly in your favor.

The lending terms (specifically the down payment requirement) are generally much more favorable for an owner occupant and you can always convert it to a rental property down the road.Good luck!

I want to purchase my primary home there with creative financing options, because like all of us I want to set more favorable terms than the traditional lenders can set.

You never know when timing will work out in your favor, but it's not "luck" if you work your system consistently and it eventually pays off :)

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

Together, we negotiated favorable terms with the seller, ensuring a beneficial deal.

The challenge we now face is whether to keep targeting smaller multifamily properties due to the historically low interest rates and very favorable loan terms or look for smaller commercial (roughly 10+ unit multifamily) properties even though the financing is not as favorable (at maximum will need to refinancing by end of year 10) and cap rates are extremely low? 

If you're concerned with interest, you could do a consolidation exchange and  purchase fewer properties for cash using the proceeds of several old properties sold for cash  without taking out a loan and let those work for you till interest rates are in your favor.  

It seems that rent/value is favorable and easily meets the 1% rule.

Send them a listing lead and they will want to return the favor when they find a deal.