For owner occupied there is some lenders that can lend you up to 90% CLTV for a Heloc.

You can house hack a mixed-use commercial property with an owner-occupied loan (and FHA) if the residential square footage is 51% or more.

The down payment on owner occupied properties can be as little as 3% on owner occupied properties.

If I own the property, your rights to occupy it should be limited to the legal lease that you signed, period.

If it was occupied someone would be able to say the heat was on when they were there or when they left. 

There are already 3 tenants bringing in a total of $7500 in rental income, if one moves out so I can owner occupy I make $5000. 

If illegal immigrants averaged four people per home, they are still occupying an estimated 2.75 million homes.

I think there may be some condo rules/by-laws that prohibit this (that when a unit is purchased it needs to be owner occupied first and a for a certain amount of time before renting).

I think one of the key things here is that is the lender primarily one focused on conventional/owner-occupied agency loans and just dabbling with investment property loans in a challenging market or a truly 100% focused investment-property lender. 

These were largely sourced pre-CV19, so eat the fish and spit out the bones.The DTI percentage range varies by lender, and is less than what you will find for an owner occupied property, due to lender risk.