I work with a broker but am open to looking for a different broker as they only work with a handful of insurance companies - including Auto Owners.  

Expanding your reach by partnering with a local property management company in Jacksonville and implementing a pet-friendly policy can attract more tenants.

If a 5% down owner occupied house hack property goes up 5% in value, you're making 100% cash on cash (there are transaction costs if you wanted to sell...it probably needs to go up 10-12% to really get that return, but you get the idea). 

@Phil Shelton are you a 5% or greater owner of the company that issues you a W2? 

Something like Hospitable, Owner Rez or Guesty. 4.

He ended up  took the owner of the home, his construction company, my 12 yr old sister and my father along with my dad's self employed business to court .

I'm also pretty sure that 2 of the tenants are getting government assistance and I think they are longer term tenants.After taxes, insurance and with the owner paying for heat and water the owner claims it is netting $20,000 per year.

Would the owner seller finance you the down payment? 

Great for the tenant, great for the property owner.

Unfortunately for Statefarm, she is a small business owner in San Deigo with a large following.