Depending on what type of property and occupancy between 3%-3.5% for a first primary, 10% for a Second Home, and 15% down for an investment rental.It's best to have a full conversation with a Banker or Loan Officer to get the full scope of your goals and directions. 

He is currently waiting on the certificate of occupancy I was thinking to use this property as a house hack or just rent out both sides.

Another option is to split the cost based on the number of occupants in each unit but this also means you'll need to adjust the charges as tenants move in/out, so it requires more work and I wouldn't recommend it.

Many likely have concerns about the impact of upcoming STRO (Short Term Residential Occupancy) Ordinance in San Diego and how it will affect rents/values.

I spoke to the occupant today and they explained that the previous owner had them in a rent to buy situation.

Agree, going LTR provides stability and less hassle.I got excited when looking at "awning" and saw a very similar house pulling in $160k per year @ $525 ADR and 84% occupancy.

We live 3.5 hours away, so to qualify for owner occupancy and the low FHA down payment, we are looking to put my 21 year old son on the loan.

You can include the utility shares in the rent or you can receive the bill, calculate actual usage, divide it among the occupants, and then bill them each month.

If you are looking for minimum down payment options, FHA 203k have a lot of red tape and require owner occupancy. 

In my recently published article about how to find Airbnb occupancy rates, Europe has the highest occupancy rate in comparison to all continents worldwide.