New York City allows members of the public to have roommates in both single-family homes and in apartments, provided that these roommates maintain what is known as a 'common household,' meaning they share the livable space of the dwelling unit," Under the NYC Administrative Code, no more than three unrelated roommates can occupy a dwelling unit and maintain a common household, which means you can take on one or two roommates.

Needless to say, in order for me to get the owner-occupied financing, I needed at least one of the units vacant.

As you are probably aware FHA rules state "FHA’s single family programs are limited to owner-occupied principal residences only."

My husband and I purchased a 2 family house that was fully occupied with tenants, intending to live in the first floor.

For this purchase, I would love to use the new 5% down on lending if the 2-4 multi-family unit is "owner occupied." 

Credit Unions can be great but you're at the mercy of their individual guidlelines and old school Underwriting "gut checks".We(Lower.com), offer HELOCs on investment properties and 2nd homes, we go off of the "Agency Definition" of a 2nd home which is "occupied for some portion of the year".

Is it already occupied?

I am a new investor planning to owner occupy my first multi unit property.  

We track most things manually, but use Apartments.com for the units currently occupied (adding more units in our portfolio will incur the Apartments.com premium cost, so I want to explore my options if software is no longer free). 

So with only a majority of investor buyers, your sold price will be lower.You can sell it occupied, but if lease ends soon, I would suggest making it vacant, painting interior, cleaning it, etc. this will get you the most money.I have connections for all those servicesThis year will be like the last two years.