If I'm right then he must occupy the property.  

Such an application would proved disastrous to those providing this type of loan, and as a consequence, to the entire manufactured housing industry and to the consumers who already own and occupy manufactured homes sited on land the consumer does not own. 

I am closing on a 4 family I will be going owner occupied on in 1 month.

Most hard money lenders do not loan to owner occupied though.

If you are living in the city and are only planning on investing (and not owner-occupying), with conventional financing, you will most likely be required to put down 20 to 25%.

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.

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.

The house is occupied.

In either case, connecting with them before you start, finding out what's required, and then doing it is by far the most cost effective way to go, and will be the fastest way to getting a building occupied or to market.

Find a great manager and give them a generous incentive to maintain the investment in tip-top shape and occupied.