If you are living there you can keep the 4% rate.If you are not living there you can rent it out to pay for the property taxes. 

Quote from @Keith Lincoln: Here's my situation.I currently live in upstate New York but am looking to move to Texas.

My boyfriend (who lives in the house he owns) wants to rent a room to one tenant in his house.

I currently live Levittown and a house around the block from me is on the market for 1.5m.

@Jose Saladin Purchasing your sister’s home as a live-in rental offers instant equity (~$170K), tax benefits, and landlord experience, making it a solid first step into real estate investing.

DC is very expensive and so many of these workers live check to check even though they make decent money.

Glazing in walls, enclosures or fences containing or facing hot tubs, spas, whirlpools, saunas, steam rooms, bathtubs, showers and indoor or outdoor swimming pools where the bottom exposed edge of the glazing is less than 60 inches (1524 mm) measured vertically above any standing or walking surface shall be considered to be a hazardous location.

Life changes made it necessary to find a new living arrangement and if I'm going to move then why not buy and utilize financing for owner occupied multiplex?

HiWhen we started out we bought a multi family property and lived in 1 unit.  

You don't want to lose your rate on the house you are living in now unless you want to sell it so since that is an owner-occupied, you need to stay there and save up the 20 percent for the second property based on what you said.