However, every company I find either doesn't insure non-owner occupied units or is extremely expensive.

As an owner-occupier, you can pay more than an investor would, but as I said above, you are going to be a little hamstrung in return rents unless you can get 3 other units and then that is a do you want to live with three tenants that close when you have two kids.Find some local real estate investor meetups in the area and you will meet a lot of house hackers who can tell you their stories.

If you do work full-time, how much of your real estate investing (including BRRRRing properties if you own rentals) occupies your time?

@Jason Wray who's doing 5% down on owner-occupied 3-4 units?

Must be owner occupied.2.

After those 2 are occupied with tenants I'd proceed to build the other 2.  

Although the Burnt Store areas are seeing somewhat sustainable demand for owner-occupied properties, we're currently still not seeing enough support for activities that would draw tourism into that area.

nice, house hacking or are you occupying both units?

For owner occupied homes, the typical buyer is NOT analytical.

If it will be owner-occupied, there are a number of compliance issues to ensure you address (Dodd-Frank, etc).