You will need a RMLO to modify any residential owner occupied mortgage. 

The current owner is usually not be very inclined to give the news to the tenant out of concern that the deal does not close and they have to deal with the vacancy.

They are paid hourly and will soon begin going door to door to offer creative financing deals to home owners.

The owner is living in the ADU and renting out both levels of the main house on AirBnb.

I have a lot in East Rockaway, corner that I am helping the owner find a buyer...Trying to get more info on like zoning and how much you can build, Property shark has been useful in NYC but pretty useless in Long Island, can not even find basic info there, is there another website or resource I can use for more detailed property info?

I’m thinking an FHA or conventional, ideally owner-occupied.

------------------------------------------------------------------------------------Recommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

It's been 2 or 3 hours I've been calling this list and it's riddled with dead numbers, or more likely calls someone who is not even the owner of the property in question!

If the residence is inside a gated subdivision or a controlled-access buildingthat is governed by an owner’s association, a letter from the association acknowledging the use and grantingaccess to occupants of the rental unit will be required as part of the application.A short-term residential rental requires a Conditional Use Verification (CUV).A short-term rental use is unavailable and prohibited within a residential unit or a room within a residentialunit that is located in an apartment building.

The insurance would not be valid for two reasons:1) the insured “individual” is no longer the owner2) the insurance was for an owner occupant, not a rentalMost people DO change the insurance to reflect the llc as owner and as a rental.