Quote from @Charles Perkins: Quote from @Natalie Kolodij: Quote from @Charles Perkins: I have an attached ADU unit in my personal residence as well as a business office/ business storage area in my home. 

@Bobby Short Depending on the equity you have on your primary residence you might be able to find a lender to finance the property in CR with your primary residence as collateral.

Investment Info:Single-family residence fix & flip investment.

I worked with a travel nurse who does shift work and 5 lenders said that they couldn’t finance her primary residence purchase and I ended up making it happen for her. 

I am days/weeks away from trying it at my personal residence.  3500 sqft but only two people using it, so not sure how good of a test it will be. 

Quote from @Irina Badal: I heard for anonymity purpose it’s advisable to set up a personal residence trust.

Holding a piece of real estate over time that a resident provides every dollar you will need to cover the holding, maintenance costs, and financing costs, all while it goes up in value, is the same with a property marketed "turnkey" as it is with any piece of real estate. 

The property either has to be zoned a commercialZoning or - you have to own both HPR parcels and have one be a primary residence .

To the nuts and bolt question of what defines occupancy, it is the place you reside and spend the majority of your time/nights.

I did that with my first two primary residences.