@Neil Haven a four unit property will qualify for many commercial programs, which may be the way to go.With a commercial policy, you may have more flexibility with choosing the building limit and can pick and choose which coverage's you want.I would suggest calling a local Independent agent. 

Like having more flexibility.

Brandon mentioned that 30% of homes are mortgage free, so that means 1 in 3 that you ask could possibly have no mortgage and be more flexible with owner financing.

Otherwise, you may need to find some flexible part time work to get by in the meantime. 

If you happen to be dialed into a network of flexible lenders then I'd be interested in a conversation with you.

Both of us on loan, we get owner occupied interest rates and flexible down payment amount (although I feel I would want to put down 20% to remove PMI)Once Dad sells his home (easier to do than finding a duplex) he will give me about $55-65k of the profits, be the owner occupier in a duplex, go halfsies on repair/cap ex, but only wants to pay about $500 per month (he'll adjust for inflation!) 

We will both keep our full-time jobs as long as feasible and are lucky to have somewhat flexible schedules. 

A lot of people in this situation would love to have flexible hours and some extra walking around money. 

You might tell them what you are doing now and if it is flexible. 

What I find with 6 month leases is that the tenants all stay longer....they wanted the flexibility when they arrived.