You can have the best of both worlds going this route.....owner occupant loan while making a buck and gaining experience. 

I have seen several go for 15-20 thousand more than asking and many not sell at all in the owner occupant periodThe listing agent has zero knowledge of how many bids are being placed so that is not a concern

@Pavel Yurevich Financing a duplex with FHA is no issue at all, as long as the owner is an occupant.

If it's an owner-occupant buyer, the closing would be long but not terrible (under 90 days).

3) Occupancy stats?

If you're going to be an owner occupant in one unit, you could get an FHA loan.

She is a 50 or so years old who would afford a 100% or the rent , she has indicated in her application that her daughter (30ish) and granddaughter (11) will be living with her, they are under the occupant section of the application.This lady has a clean record, good credit score and stable job with the county public school system. 

We're also considering owner occupancy.

Would you still be able to qualify for the home possible program as an owner/occupant multi family?

We're also considering owner occupancy.