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

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.

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?

The only way to ensure a reliable rental income is by having a dependable tenant occupy the property.

Conventional financing is geared and regulated for the owner occupied homeowner and is designed to protect that borrower from poor lending practices.  

The second question is, as my family is looking to occupy the property for the majority of the year, we are wondering if we need to register or seek a permit if we rent it out less than the 90 days of each year? 

The stipulation with conventional and FHA loans say you intend to occupy the the house for at least a year.