If you want to occupy a multi as a single-family, isn't the point to keep it that way for when you leave.

(an attractive location for any small business) Currently 2 salons occupy 2 of 3 commercial spaces.

Hey everyone, I hope you guys are well and thank you for taking the time to read this. 
I have a house off market and at 50% discount of ARV. The deal is locked and loaded, but there is a tenant in place. They've bee...

The interest rate will likely be higher than your owner occupied loan though. 

Currently I'm looking to purchase a duplex using owner-occupied financing (FHA 3.5% or conventional 5%).

Is it normal for a mortgage company to not do 5% down on an owner occupied duplex?

Property definitely has below market rents, it’s 100% occupied and owner lives on-site.

He was not worried that one of these contract workers would steal something from the tenant; he just wanted it covered that a tenant did not later claim that either something was missing or an inappropriate "action" had taken place.I learned from this and if a repair is needed inside an occupied rental property I always work it out to meet the repair person at the property.

I would however collect rent to at least the time she occupied the property plus monetary compensation for time (vacancy) and efforts made to find a ready tenant. 

@Mike S @Mike S. it’s fully occupied.