I'd talk w/them and get a feel for their circumstances if they talk freely but I would not pry. 

This unfortunately is not new. 

If you have a high DTI ratio because of the student loans, you can still qualify with up to 56.99% back end DTI on an FHA loan. 15% down will not be enough for a DCSR or Hard Money loan based on your circumstances.

My question is- what if life circumstances change and I need to sell the owner occupied portion within that 3 year window?  

@Ethan KanningI never did so no experience to share unfortunately!

Ultimately, separate renter's insurance provides better protection, minimizing confusion and ensuring proper coverage for unforeseen circumstances, benefiting both landlords and tenants.

Hey Butch,As you said, unfortunately one of those sides would need to be vacant for you to do it as a primary. 

Unfortunately, stuff is slowly falling apart and the road are not the best.

Unfortunately, I think you'll have a slim margin. 

(i'm a remote investor) Unfortunately the appraisal came in very high so I'll need to pull comparable sales!