Quote from @Chris Olandese: Hi everyone, I’m the latest starry-eyed rental owner in SE Wisconsin, nice to be here!

If you can not find coverage with the agencies you have contacted, PM me and I will let you know the companies that we use that might do it.Because of your making payments to the owners potentially, I would look into commercial crime coverage and cyber liability. 

They can be sold to owner occupants that get a conventional, fha or Va loan.

There are a lot of other issues, but for you as the owner, the main one is usually do you have to have the current tenants out to build (no income) on to the existing property or are you going to do a knockdown new build?

Why "owner financing" clients? 

It'll strictly be non-owner occupied?

your owner occ loan should be done at todays rate what your bank quoted you was commercial terms and not even good ones..

Basically, you're saying your intent is not to move in, but with owner-occupant loans for lower downpayments, you will sign a statement certifying your intent is to occupy the property. 

You also have the options of the 2 + 1 which is a 2F with a boarder unit that an owner can live in, but likely can't rent after you leave so it's only a temporary solution depending on how stringent the municipality is.Your VA gives you lots of options, but you won't cash flow if you use at 0 percent down because rates are too high.

Or if your accepting to be very hands-on as owner-operator.