Another deal I had an offer only 2k under asking, cash, no inspections or appraisal and lost out to a asking price financed with inspections/ appraisal owner occupied. 

It is not clear to me if you currently occupy the home.  

for non commercial residential I saw a study indicating that 97 out of 100 largest cities that it is initially cheaper to rent than owner occupy purchase.  

Don't worry about cash flow in a property that you have to occupy.

I currently owe a mixed use property which has a commercial on the first floor and two residential units on the upper floors, i live in one of residential unit so that would consider an owner occupied property.

Here are some details;Purchased: 131k in 2014 Occupied the home until a little over 1 year ago, my ex currently lives there.

I'm unsure what the right path is, but I've been reading about investing in owner-occupied, multi-family properties.

We said no because it seemed like it was going create a big headache for us and we have a 60 days to occupy.

When homes are pulled in a safety inspection must be paid for prior to the home being occupied.

You should calculate the annual maintenance for an occupied property to be 10% of the Gross income.