I have been receiving wrong accommodations and prices because because their personal life background, they were incapable of screening me nonetheless I had good credit and clear profile, they were just discriminating on the basis of their scarce preparation to human situation and so by their presuppositions, that's probably also illegal.You cannot say landlords are to be forgiven because they are doing a needed service, instead it's for that very reason they have to admit their fault and change their way of behave: if a business owner is occupying the market with bad practices and wrong services it's likely they need to leave their place and let others settle in who can operate the business correctly, their even more such of problem if their services is basic, but it's quite absurd it's on me to explain you this.Landlords would have to better understand theirs are affairs on a public market, it's not private or personal matter, and as so they have to behave buy clearly stated rules or face immediate consequences.

You can only play games for so long.Chances are your next door neighbor is an IRS agent and turns you in when your tenants blocks their drive or some other random event disturbing your IRS neighbor.ADU catches fire and your insurance won't cover you, because it was an illegal and unpermitted structure.The city inspector told the last guy not to build or rent it, and is now pissed and wants to make an example of you and just red tags the whole property and no one can occupy for the next 1-2-3 years while you wait for a hearing.Then when you get the hearing, "staff" recommends you tear the whole structure down, and if you still want an ADU, you can apply for a permit and rebuild it.Your tenant quits paying rent and won't move out and you can't evict them, because there is no valid lease and they're just your "roommate".Probably a dozen other bad things can happen to you when you do stuff like this. 

Additionally, the right of redemption only applies if the property was owner occupied during the 90 days prior to the sale and this is not the case here. 

I would then find a 2-4 unit deal that I could put down a 3.5-5% down payment on as an owner occupied rental.

Owning has advantages that LL does not such as no vacancy, typically lower maintenance/cap ex versus being occupied by tenants, and often property tax breaks. 

Hard Money lenders cannot lend to you personally on a home that you intend to occupy. 203k Loans and HomeStyle Renovation Loans are NOT harder to qualify for.

.* FHA loans require both parties to owner occupy for 1 year* A 203k loan is not a first time buyer program, you can own a home and still use the program as long as you live there* The loan must be made to a person, not an entity. 

Any ideas how to lower this or use it as a owner occupied property?  

I'm in Florida (lower cost), and I picked up a duplex a couple years ago as an owner occupied unit.

I would say target a 4 unit property as that will give you the best opportunity for cash flow (or close to it) and that's the highest unit count you can go with for an owner occupied loan.