As an owner-occupant living in one unit in a multi-fam, you will have more leeway in who you can and can’t accept according to the law, but it’s always important to be aware of the rules to make sure you stay in compliance because you want to avoid having to defend yourself from an accusation.

Someone that can help to reverse the deed back to original owner.

You found a bank that will allow you to do 10% down on a non-owner occupied property?

Normally, this fee is added when it is a flat fee service, or the owner is difficult to work with on pricing.Working with contractors is a difficult task filled with frustrations and missing timelines.

Not impossible but it would be pretty tough to get an STR property approved unless you are an owner occupant.

@Paul Bogard going to assume you are buying this proeprty to live in while you "house hack".First, you should understand +95% of real estate agents ONLY know how to sell owner-occupied properties and are almost useless for investors:(Find an agent that has rental properties themself or can PROVE they've got successful repeat investor clients.Secondly, you can greatly improve your cashflow by renting out your other bedrooms.

For example in many jurisdictions I can STR units in a duplex but cannot STR an ADU (some jurisdictions will let you STR if you owner occupy).

If you’re a business owner with no employees or only part-time employees working less than 1,000 hours per year, you could set up a solo 401(k) and contribute up to $69,000, which includes both employee and employer contributions.

Same owners, same management (self managed), both STRs.

You would have to create an HOA to manage the common area and keep control of that or create a self-managing HOA for the four owners to manage together.