(i originally bought this as a owner occupant and need to move to asia for work).

Then take that data and find your top 10 or so competitors and their rates & occupancy.  

Again it depends on deal size and whether for example STNL or MTNL.MTNL ( strip centers ) when putting 25% down break even occupancy tends to be about 68%.

VA loans are only for owner occupants, with a few exceptions for active duty folks deploying etc. 

They are much easier get financing on and you get first pick of all the good foreclosure deals since they have preference for owner occupants.

CIV §1950.5.(4)(c) A landlord may not demand or receive security, however denominated, in an amount or value in excess of an amount equal to two months’ rent, in the case of unfurnished residential property, and an amount equal to three months’ rent, in the case of furnished residential property, in addition to any rent for the first month paid on or before initial occupancy.

After the Exclusive owner occupant period expires, investors can purchase HUD homes@Sam Shueh The only accurate source for HUD properties is Hudhomestore.com. 

We have one where the borrower claimed that she was moving into the "rental" house that her son lived in so that she could claim owner occupant status.

Well for 20% you better be providing 100% economic occupancy and savings on all repairs.

But I think I could safely assume 83% occupancy.