My maintenance man tells me it's infinitely easier to install.

The most aggressive lender I could find in my city would go up to 80% LTV on investment properties, but I have never asked them about owner-occupied multi-units.Take the 2-3 hours required to call every single credit union or bank in your area.

Certain income and credit requirements may apply for access to these programs. 

And yes, that requires you to collect and pay taxes but if you use Avalara/MyLodgeTax it’s really pretty easy to do

They handle management turn key-advertising, maintenance calls, cleaning, restocking, etc.

They do not require any income verification, DTI, tax returns, etc.

As far as permitting, only septic is required.

As to maintenance while rented- hard to say.  

What if no other insurer will provide a new policy, but my lender requires full ongoing coverage, and would treat a naked situation as a default, meaning immediate loan repayment or foreclosure?  

Repairs and Maintenance Provision - clearly define who is responsible for what repairs / maintenance 4.