Does anyone know of a list site that will provide targeted lists (that are not a scam) like:- Owners of houses who have owned thier homes for over 20 years (posssible repair problems so they might sell for less, or possible free and clear owners who might sell for terms)- Non-owner occupied (burned out landlords)Then one could do a direct mail campaign.

Can they even be evicted if in rent controlled apartment in non owner occupied?

Seven, Starting on November 18th of this year, you can purchase a home with 5% down conventional loan and owner occupy a 2,3, or 4 unit multifamily. 

You should classify an owner-occupied duplex with aresidence homestead exemption as Category A.Note: If the owner occupies one of the units in a triplex ora fourplex, classify the property as Category B.

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.

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

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

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".