I lived in an owner-occupied building with 2 total units. 

Assumable mortgages, in the 1-4 unit residential world, almost always mean that the buyer is going to occupy the property.

Another thought: I can keep going forward buying one owner occupied house each year, turning the last into a rental…

If the occupant claims to have evidence authorizing them to occupy the property, then they should bear the burden of proving their case.

Since you're occupying it, this may not be the case.Your bigger challenge will be understanding and avoiding taxable events:1) with the IRS2) with your local Assessors Office.Be sure to look into these before doing anything.

The reduced cost of living opens up so many investment opportunities and enriching life experiences that might have otherwise remained out of reach.When my husband and I acquired our duplex, both units were already occupied.

I believe, if it's an owner occupied property, you have certain rights to deny emotiational support animals if it impedes on your health or stay.

And non-onwer occupied rates are closer to 8%.

Or you find a 2+1 which is a legal 2-family with an extra boarder unit that an owner can usually occupy (attic or basement) without a gas line to a stove.

I have read lots of literature on ESA rules in Montana, where I live, and unfortunately nothing directly covers owner occupied rental agreements.