I plan to start my investing journey with an owner occupied multi-family in Albany or the surrounding cities.

I went owner occupied either conventional or FHA.  3-5% down at the time you only had to live there 1 year and then you can move out or move on. 

Interested in getting some extra income with converting the extra space in the basement into a rentable unit.Basements in a one-family home can be lawfully rented only if the following conditions are met:Compliance with the Housing Maintenance Code for minimum room size.There is a minimum ceiling height of 7 ft.The walls, as high as ground level, must be damp- and water-proofed if HPD determines that subsoil conditions on the lot require it.The basement is occupied by one family and does not include boarders.Every room must have at least one window.The bottom of any yard or other required open space cannot be higher than six inches below the window sill of any required window in the room.

TheLoss of Rents is for the loss of Rental income if the tenants can not occupy the houseafter a covered loss.5.

Call your insurance and tell them it's about to be a tenant occupied property on 1/13/2025. 

Trump has said he plans to keep owner occupied rates at 6% through 2026.

LLC's are still the way to go but yes you can't tap into owner occupied mortgage tools such as HELOC's or high leverage.

It's fully occupied at the moment with leases into 2026.

One for the second house and one for your primary residence on an owner occupied permit. 

My Boulder units have still been 100% occupied, while Longmont and Denver units have had much higher turnover in 2024 than the previous 5 years.