The rules on multi-family owner occupied recently changed allowing you to put down as little as 3.5% on up to 4 units.

She has a duplex, one unit was owner occupied until her stroke; other had been rented until the same timeframe.

Finance your first duplex or triplex through FHA Loan, Conventional Loan, Owner-Occupied Financing, and Portland-specific programs.

Many houses and duplexes that have been fully redone as well as some that are still owner occupied that will get redone when purchased.

Quote from @Joe Mills: You are exempt if you meet one of the following requirements:Owner-occupied buildings Properties with four units or fewer that are owned and lived in by the ownerSingle-family homes Homes that are sold or rented without a broker by the owner, as long as the owner doesn't own more than three at onceIf those don't apply, then you must abide by Fair Housing and you must make reasonable accommodations for people with assistance animals.

Since the houses are occupied and the first is reaching its contract limit of a year, its time to renew, increase the rent and I don't even know how to.

Now assume each unit is occupied by 1 person.

Not sure what Orlando is without looking, but Atlanta market is between 80-90% occupied.

The best part is you can do it with very little money down using owner occupied loans. 

All are currently tenant-occupied.