@Kenneth Willis I can probably help.How many lots, what is the lot rent, how many are occupied, what is the source of utilities and who pays the utilities?

I will likely hold onto multi-families for the cash flow but seller finance or rent to own any SFH’s I buy because I think they deserve to be owner occupied.

We would like to purchase as a owner-occupied, to get a lower rate and to put a downpayment of only 10%. 

This would presenting issues in UW as Owner Occupied.2.)

HELOCS are unavailable on non-owner-occupied properties in Texas.

I had a tree (the neighbors tree) that fell on the roof of my rental and damaged it severely so now I have to change the whole roof.So during the hurricane I had an insurance called Citizens, but right after the hurricane they switched me to a different insurance (Slide)...Will you please help me with my questions:1) My coverage was for a policy that is not a rental but  partially owner occupied (its a duplex), because I lived there but then moved out and did not switch the coverage to a rental.

Both of my houses cash flow close to $2000 per month after all expenses when fully occupied, however you do get some of the occasional chaos you would expect from such a venture. 

I use Attomdata (formerly geodata) which tells you if the property is owner occupied or has an absentee owner.

Do the rest of those states allow non-licensed lending on owner-occupied?

Is it occupied?