Rates are starting to drop fairly fast and for primary homes they are already down 1.25% from earlier this year. 

But yes, my wife and I plan on investing a du/triplex and living in one unit as a primary residence. 

HOA, no homestead exemption, because my primary residence is in PA. 

However, smaller properties tend to have asking prices influenced by factors like local demand or future appreciation potential, not just rental income.If you're finding that the numbers from the cap rate approach are consistently coming up lower than the asking price, it may be because the market value is being driven by different factors, especially in a competitive or appreciating area.I’d recommend using comparable sales as your primary tool while keeping the income approach in the back of your mind to avoid overpaying.

For a rental to be considered "Owner Occupied" It does have to be the owner's primary residence.

Our average online rating is 3.5/5, which is 60% higher than the 2.2 star average of traditional property managers.Sometimes we need to make a tough decision in favor of one side of the landlord-renter transaction and at a negative impact to the other side (i.e. deducting security deposits).

I would make this my primary residence for however long the loan requires. 

Have you established a new primary residence?

SInce then it was all traditional purchases (SFH), and rentals.But for the last decade (!)

CoC return on these condos are from 12-15% with a cash flow of anywhere from $3-400 / month if going the traditional financing route.