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.

But you'll be spinning your wheels evicting for an extra occupant, noisy parties or just general bad behavior.

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.

Most builders are hoping to sell to owner occupants and so that opens up more options on the sale side. 

(My units tend to average 25-50% higher occupancy than most others in the market.)

He wanted 35% seller finance for up to 5 years at 5.5 % but I knew it wouldn't make sense for me so I started drawing my offer.My offer is 2m SF at 0% for 180 months and 2m I borrow at basically 7% for 30 years - which comes out to $13,306.05/m for loan and $11,111.11/m seller finance - now together it its $24,417 (NOI = 27,442-24,417 = $3,025) - very low cashflow but I would be able to refinance sooner or later and pay back the owner full sum, and better pray occupancy will stay at 100% for at least 2 years.

Discount points are paid to everybody "wins" (I can't really explain it, but if want to chat send me a message and we can discuss as best i can how the bond market works).  6 months doesn't quite make the cut, but I'm sure its a compromise as a consumer protection, getting to the 1yr owner occupation requirement, and allowing an owner to potentially resell (lets face it, you can't effectively "disallow" somebody from selling).I think the guildines to 6 months on Title is to protect the lenders and the secondary market. 

That 80k is going to be trapped for awhile before you have a chance of getting it back.The lender on the refi is going to want to see some seasoning on the occupancy level on the turn around before doing the loan.19,200 rent is 400 a month per unit.

I believe that if you buy during the exclusive period, the owner occupant cannot sell within 3 years.

It is "insurable with repair escrow", which will deter many owner/occupant buyers.