Senad,I have looked into this quite a bit and you do have to occupy one of the units.

I would continue to owner occupy duplexes it seems like a great strategy right now there.

We lived there before as an owner occupied,  so I wasn't worried about changing the locks.  

I have 2 of these that I installed on my first property, which was just occupied Dec 1, and I would like to keep up on the maintenance of those two units.

Get them to do a drive-by and if it isn't occupied, a peek into the windows.  

Scott The Book on Flipping Houses, The Book on Estimating ReHab Costs http://www.biggerpockets.com/flippingbookConsider checking out HUD homes for small multi's owner occupied gets first crack.Download BP’s newest book here some good due diligence in Chapter 10.

The other thing would be that i do need to occupy this property myself in some way because of the (FHA first time buyer rate/ 203k).

All while taking into consideration the lower than market tenant for a few months, repairs and all other costs of occupying this property. 

I would occupy one of the units while I rent out the others for income. 

I spoke with the property manager about this, and she said the board doesn't enforce it, it's unenforceable (apparently the development period has passed so it's no longer a valid rule since it said DURING the development period specifically; she said it was requested by the developer to prevent investors from buying the homes and renting them out initially which would decrease resale value) and they have no intention of enforcing it, in fact, they want to take it out because they'd rather have the houses occupied than empty, which causes other problems.But she also said that they will actually be meeting with several home owners to discuss as some want cap or outright ban.