David David,It completely depends on the tenants circumstances. 

Maybe it can help you in your specific situation, it depends.

Depending on where the rental is, that might have an affect on what people are looking to stay in.

Screenshot of the legislation below: Depends where you are and if they know there are renters

Depending on your area, it can be a pain to set up multiple LLCs and keep them running.

I found that it is highly dependent on location and secondarily on time of year.

And you'll have the best rate/points options with a primary residence.Option #2 is great, especially if you're willing to move into one of the units (because the down payment minimum is just 5% or 3.5% depending on program), but as you mentioned it's really tough here to find small multifamily here.

@David SamIt depends on a number of factors. 

then again depending on state judge has to confirm the sale and your deed gets recorded by the court. 

I don't know about doing a refi, I think it depends on your situation and rates.