As an investor-focused agent in the Cleveland market I always have my clients write the following contingencies in when buying a house that's tenant occupied:1) Offer contingent on home inspection- usually a 7-10 day contingency period, this contingency allows you to either A) move forward with the deal B) renegotiate the price if issues are found, or C) walk away from the deal2) Offer contingent on appraisal if you're going financing3) Seller to provide copy of current lease agreement4) Seller to provide a rent roll/tenant ledger with proof of payments received5) Seller to provide copies of 3 previous months of any utilities paid by the landlord6) Seller and tenants to fill out Estoppel Certificate.

For example in many jurisdictions I can STR units in a duplex but cannot STR an ADU (some jurisdictions will let you STR if you owner occupy).

Lenders offer favorable terms for owner-occupied multi-family homes, making duplexes a good option for financing.

I am now looking at a property that is tenant occupied going to a month-to-month in November.

I work with a lender that allows that as long as we can document some explanation that the borrower doesnt plan on occupying the home as a primary residence.

Quote from @Sean Carter: Hey everyone currently active duty military I would love utilize my va loan for investment  purposes don’t know where to start  in GA btw  I thought a VA loan is only for owner occupied properties?

After half a lifetime of working and saving and investing in index funds while renting, im ready to make the jump into a new asset class.Looking to owner-occupy a multifamily in the city of philadelphia and hopefully pass a portfolio on to my kids someday.open to any and all advice!

There is still a good amount of risk with BRRRR but if you are owner occupying the property you are in a much better place.  

Quote from @Jose Quinones: Quote from @Jonathan Greene: If you are in the market for a house hack, wouldn't you intend on living there and using the owner-occupied?

@Cody FriedrichAssuming you bought the duplex in Indiana non-owner occupied, house hacking is a completely different calculation (in my opinion).