@Jaekwan Lee see copy & paste below:Purchase Agreement Clauses for Buying Tenant-Occupied Rental If you’re considering buying a tenant occupied rental property, there are some documents you want to acquire for review prior tothe closing.

I am looking to move into the top unit occupying 1 bed, and looking to furnish the other 3 bedrooms and purpose sharing the one bathroom, with a midterm tenants.

As for the loans, you can benefit from owner occupied FHA as Benjamin mentioned above.

What is the best loan for a Real estate investor with 10 or more residential properties thats all occupies with no debt?

If you read close the rules are different if owner occupied or second homes vs Investment.  

You have zero dollars and your place is occupied. 

There are a couple of towns with lower opportunities, but low appreciation.You can't close in an LLC and assume or do an owner-occupied loan.

Options would also depend on whether this is owner occupied or an investment. 

Being that we only lend on non-owner occupied properties, we want to ensure that funds are being used to reinvest in these particular types of real estate transactions and not being used as a down payment on a primary residence. 

Are you looking for long-term tenants to occupy the entire home?