Planning to rent the 4/1.5 side by the room and house hack by living in 1 of the 4 bedrooms then planning to also rent the larger 1/1 side.Planning 5% down as owner occupied financing. 

Hi Reah,Assuming you're going to occupy one of the units, here are the FHA guidelines.

My property just very recently became fully occupied.

Consumer protection does not include non owner occupied property.

I would not worry about Santee owner occupied requirement as state law will ensure ADUs do not require owner occupancy.  

I lived in Japan for 20 years and was going to start building my USA based portfolio from Japan.

For simplicity’s sake, we’ll say it’s $4,000/month.3 of the units are rented out at $1,100/unit and the last unit is owner-occupied for 1 year, per VA loan requirements. 

Utilizing loan down payment owner occupied financing.

We'll be listing our primary home for rent in about a year, so adding value to that (e.g. creating a 5th bedroom), and then qualifying for an owner-occupied mortgage in our next city could be a good start. - @Michael Dumler Hahah it was time for a pivot away from my full time job in tech anyway.

Tenant’s vehicleor other possessions will occupy the parking space entirely at the risk of the Tenant.Tenant releases Landlord from any loss, damage, claim or injury resulting from anycasualty.”Should the tenant or I have additional insurance for a Garage Storage unit?