Some are fully occupied, and some are vacant.

We lived there for 3 years and then got stationed overseas in Japan.

Also, for DSCR, they do not use the actual rental income on tenant-occupied houses.

Institutional hard money lenders will not lend to you personally or on a home you are occupying.

There also are options for 5+ unit buildings where do not need to occupy and can even have more then one airbnb in city if own those. 

I’m looking to owner occupy 4 unit multifamily using a VA loan.

You can get owner occupies financing on this type of property for 5% down.  

You can occupy 1 room and rent out the rest for maximum cash flow but this comes with some inconvenience as you will have to deal with roommates and you don't have 100% privacy in your property.2.

The only way you will have a reliable income is if a reliable tenant continuously occupies your property (your “customer”).

Just adding to the dog pile, but getting M2M leases on an occupied quad instead of long term lock ins is a huge win.