I'm looking at a duplex and id owner occupy it .

I think you'll have to sign an affidavit stating you plan to occupy it. 

If it's mostly fully occupied you can get a full-doc commercial loan as long as it debt covers.

It is owner occupied.

@Caleigh McDonoughHere are the pros and cons of waiting for 20% down on a mortgage in Charlotte, suggesting starting with 5-10% down, leveraging owner-occupied financing, and refinancing.

Now assume each unit is occupied by 1 person.

As someone else stated, once you own a property in SC your property taxes will be about triple that of an owner occupied person!

I also hope they inspect at least once a year while occupied.

@Paul Bogard going to assume you are buying this proeprty to live in while you "house hack".First, you should understand +95% of real estate agents ONLY know how to sell owner-occupied properties and are almost useless for investors:(Find an agent that has rental properties themself or can PROVE they've got successful repeat investor clients.Secondly, you can greatly improve your cashflow by renting out your other bedrooms.

You can get far bette financing for own occupied properties.