As long as you click owner occupant its an automatic approval with no evidence of occupancy needed outside evidence you own the unit such as a tax or utility bill.

A lakeland duplex / triplex will be reasonable and you should have steady STR/ LTR occupancy as Polk County (Lakeland is the main city) sits directly in between some of the largest and fastest growing cities in America: Tampa and Orlando).Please reach out if you have any questions.

Between Zillow and Mailed out flyers we have been in contact with numerous single and multifamily properties for less then $100,000 renting in the range of $1250-$1500 as long as it has a cleared Occupancy statement from the City. 

Lenders sometimes have rules with owner occupancy so I would check with each individual lender and see if that is a specific route you could take!

My best estimate is that occupancy is a minimum of 80%. 

They are saying that demand is still strong but all the additional STR's is cutting into the occupancy numbers.https://www.airdna.co/blog/airdna-market-review-us-november-2022?

Also a majority of the demand for homes at higher price points are people who are owner occupants which buy homes not because it’s an investment but because they need a place to live.

The occupancy with two rentable units is greater than if it was just one (sounds obvious when you write it out)One thing to note from my experience on the same pursuit is lenders won't consider rental income from your primary residence as earned incomeI am big fan of seller financing into a house hack, stabilizing it, and moving out. 

What is their occupancy rate?

How do you ensure you are offering over the mortage balance...my thing is - is the lender still holds the title how can you have an agreement with the occupant on the sale?