If owner occupied, I would assume that either some sort of blended method would be used, or if lucky, the owner gets a pass.  

We look at what we call a "blended rate," id google that, and maybe it will give you better insight on what you want to do. 

I like the idea of a blend of categories.

This directly impacts your cost of capital and blended returns.

Bayonne's a nice blend of (somewhat) affordable & safe, just not as easy access to the city.

I'm interested in finding smart, innovative ways to make the most of investments, and house hacking seems like a perfect blend of resourcefulness and real estate savvy.I'm here to soak up all the wisdom this community has to offer, from investment strategies to property management tips.

Cotton polyester blends are great for sheets.

There are great blended rate calculators that can mathematically tell you whether to do a full refinance or use a HELOAN.  

You don't have to be an all active or all passive investor. a blended approach can also work. 2X in 3-5yrs is tough to beat.Regards,Joe

South Bend, and Mishawaka kind of blend into one big city.