@Matt DornakWhat is the specifics- If it’s selling a property to buy another there could be programs that work but other than that, no owner occupied loan to delay financing

If the property is in compliance with zoning and is 1-4 family it may be financed as an owner occupied or non-owner single family attached dwelling.

Annual registrations, point of sale inspections, turning a blind eye to the most awful owner occupied housing while being overly strict to investment properties, courts that continue to drag out the eviction process; excruciatingly slow, laborious, and expensive permit processes; evictions that continue to be granted one extension after the next... these are the difficulties you run into in those cities. 

Buy and hold (unoccupied)     The Vacant dwelling policy is most often used unless it will be occupied within 30 days4.

Some include 1) there are many more owner occupied home buyers than investor RE purchasers 2) adding small units in small counts is the most expensive development 3) it detracts something from the primary even if it is just yard.  

Pulling theses lists from Propstream has worked well for us (Vacant, Liens, High Equity, Non Owner Occupied, etc). 

You'll need insurance that is specific to non-owner occupied properties.

This should have come up in your fact finding when choosing to add the JADU (as well as their poor valuations)Note if the unit is only 2 units and you are abiding by the owner occupied rules of a JADU, AB1482 (statewide rent control) does not apply.  

Also, not sure how you got recommended to agents in other cities, but +95% of agent in our experienec only know how to deal with owner-occupied transactions. 

That said, I see a lot of people occupy their coastal properties with a seasonal tenant throughout the winter months at a reduced rate.