The down payment on owner occupied properties can be as little as 3% on owner occupied properties.

It does have nice destination and asan owner i like the private beach (not so good for the public). 

Property owners are almost always named as a defendant, at least initially.

I have the information I need to send letters to the owners of said lots. 

@Michael Perry these can often be very good opportunities for owner occupants.

Current owner could be "getting" away with it but he will be caught.

I doubt that owner-occupiers would be the early users. 

People are always looking for that perfect beachfront escape.Another reason these areas shine is how friendly they are to short-term rental owners.

Quote from @Nick Troutman: Owners are allowed to buy, sell, or manage their properties.

Prior to losing the home in foreclosure the previous owner had retaliated against the lender by cutting out most of the exposed electrical wiring and removing the heat and air units from the property.