However, it is not a science, and lacks sufficient agency for my taste.  

As mentioned, I planned on doing a 4-unit style building as an owner-occupied to take advantage of FHA (3.5% down), my flexibility on living arrangements, and really get my first taste of property management.

They are not nice enough for my taste and B they are leased and making money.would I ever be underwritten for a primary residence mortgage in this case?

If there is already a bad taste in people's mouths you are going to educate them gently.

I have tasteful paintings of nudes in most bedrooms.  99% of my renters are guys.2.

If there are specific provisions that you are concerned about, gives us a little taste and folks will comment on them. 2.

She may say she's cool to do "whatever is best" now, but that may change once she (and you for that matter) gets a first hand taste of what "whatever" entails, and it may be late in the game to change at that point, so the sooner you can drill down to those details, the better ... and always remember my young friend "happy wife, happy life".If it were me and my fiance (who is now my wife), given our temperament, goals, and the current state of the market, we would likely choose to move in together in 1/2 of the duplex, rent, or move in with the folks if we could stomach it (which we could not) to minimize costs and risk, save like crazy, search out amazing deals to flip (but don't buy until/unless the deal was amazing), and wait for the market to correct to pick up another primary residence, bought like a flipper but with the long term intention of turning to a rental after living there.

Beautiful place but very expensive and far too crowded for my tastes.

If you don't have the money to lose, crowdfunding may leave a sour taste in your mouth.

It can be down with a low down payment, will give you a taste of how investing really is, in my opinion it's the perfect first investment.