The big hangup for them was entering the IRA as the account owner, and me as the manager. 

After about 2 weeks I took off the pet restriction because I read other reviews that highly encouraged it.

If it's not a gift, more documentation and explanation will be needed (are they also owners, is there a loan, etc). 

Quote from @Braden Fisher: Hey my names Braden, I’m a new investor in the salt lake area looking to buy my first deal as an owner occupied house hack.

The manager had all the maintenance records, so we knew going in that the previous owners had let them slip a bit.

I'm on the Board of Directors of the Rental Owners Association of Lane County (over 1,300+ members representing over 20,000 rental units!). 

If you're going to owner occupy and and want to benefit from some rental income then I'd go for it, but if you're looking for some combination of appreciation and cash flow there are better places to put your cash.

As far as I know, I don't think software like Stessa or Baselane can really track anything related to multiple owners/partners. 

You will definitely come out of pocket WAY more with seller financing than with the lowest owner occupant loans.

However, the property cannot be owner occupied.