They can change terms basically at anytime before closing for non-owner occupied - is it good for the reputation - absolutely not - but it does occur.

You would have to line up carriers that accept LLCs on non-owner-occupied dwelling coverage.

Find out their goals (current and post sale), desired timeline for selling/moving, where they'd like to move to next (if owner occupied), reason(s) for not already selling to an investor or with a Realtor, Plan B if they're unable to sell within the desired timeframe.let's say they've got a property that needs work and they're interested in selling.

So when I was getting closing to signing on the load it cost me %.5 extra in interest because the property wasn't occupied. 

A good starting point would be a 10% 2nd home loan or an owner occupied 5% loan where you can convert a basement or studio into a simple 1 bedroom unit and basically let your guests pay your mortgage. 

Craig Curelop's "House Hacking Strategy" and Brandon Turner's "The Multifamily Millionaire" offer strategies for owner-occupied investments.Good luck!

And my rentals there are cash flowing nice, but it's taking some time to getting it occupied, and I also found out that I need to make sure that the tenant is paying for the water, because the water bills are really high over there.I will keep you all posted along my journey, and I hope I could help you friends.

Some of the areas that we invest in have some clauses in their zoning forbidding more than 3 individuals unrelated by blood or marriage from occupying the same unit. 

- You can rent out the bedroom you would normally occupy.- Most cities do NOT care if an owner lives in basement, but will not allow a tenant to unless baement has legal egress window.3) Check local statutes if any limitations on how many unrelated roommates are allowed.4) Check with local building dept to see if rental inspections and corresponding requirements.5) Local statutes allow locks on bedroom doors?

As for security in occupied houses, I don’t have a definite solution - it’s just that opening doors is a low-value task that a busy buyer’s agent probably shouldn’t want to handle."