The lender will not let you buy the property if there is no ability to occupy it within 60 days. 

I just recently got the third unit rented out - now fully occupied even before my first mortgage payment!

@John Su tenants typically take care of snow when occupied, but owner is responsible when vacant - and some cities write tickets if snow not removed with x hours.In colder climates you also have to worry about keeping heat on when vacant so pipes don't freeze.

Presently my 10 bed facility (opened in July 2019) reached a milestone last Friday by being 100% occupied!

I cannot really get in there to freshen up the place while it is occupied. 

.: Homeowner insurance is for when you occupy the property.

I agree with the others that you can create a written lease that states she is the sole occupant, then kick your relatives out if they try to occupy.

It sounds like you're owner occupying the property.

Hi @Jack CarrozziNormally, when we as lenders say investment property, we mean a non-owner occupied property.

I've House Hacked as both a Live-In Landlord (Boarding house law) and as an owner occupied in a 4 unit apartment building, etc..Here is some quick and dirty tricks and tips!