Like all  resort areas there are peaks and valleys make sure your property manager has in depth experience and can show you there program to keep your rental occupied.  

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

Do you need to restretch it when the unit is occupied and did she know you were going to do it? 

FHA loans are for owner-occupied properties only. 

The SFH and the 1b/1ba ADU are currently occupied by tenants under RSO and paying far below market rents.

This is only my 2nd house that I own (owner-occupied RE).

These were largely sourced pre-CV19, so eat the fish and spit out the bones.The DTI percentage range varies by lender, and is less than what you will find for an owner occupied property, due to lender risk.

So not sure about 1031 on the MF that you occupy. 

Maybe even a 7th bedroom /w bath by converting part of the garage.That kind of modification might hurt the resale appeal to a future owner-occupier, but let me tell you, it's STR gold. 

The 6 unit has not been occupied in several years and contains 6 small rooms (200sq ft..