Hi,as far i was aware this whole time when you owner occupy your duplex one side and rent the other for 2yrs and you sell it within 5yr period there is no capitol gains tax.

The tenants mentioned few times it will occupy the working hours because the handyman needs three days to finish. 

In addition to the high cost of building, the low appraisal reflects there are many more owner occupied purchasers than investor purchasers so adding the ADU likely reduces the buyer pool. 

If it was solely my decision I would buy a new building to house hack every 14-16 months and build my portfolio using low money down owner occupied loans.

Hey BiggerPockets family,I was just approved for an owner occupant, Fannie Mae, 5% down with a purchase price of $1.3 million for a 4plex in the Phoenix Metro of ArizonaMy middle FICO credit score is 759My current DTI debt to income ratio is 30%I have enough down payment, closing costs for the subject property, and enough liquid reserves for all 10 of my apartment buildings totaling 45 units in PHX Metro AZ my mortgage lender quoted me with a rate at 8.125% with me paying 0.156 points totaling $1,920My question is,does this 8.125% interest rate sound reasonable for an owner-occupied fourplex 5% down Fannie Mae conventional loan as of March 27th, 2024, at 1700 hours?

This is especially true for homes attractive to owner occupiers. 

I am pretty sure they are only economically motivated since no one in Cincinnati actually discriminates based on race other than 2 and 3 family owner occupied units.

Stay away from occupied properties since you can't get rid occupant for at least 90 days before start eviction process ( new law ) I'm going thru this right now and it is very very frustrating.

Is this for owner-occupied homeowners? 

Interest rates will also be .25% - 1% lower on an owner occupied property than on a rental property.Contrast that with buying out of state / non owner occupied properties.