I use Attomdata (formerly geodata) which tells you if the property is owner occupied or has an absentee owner.

Do the rest of those states allow non-licensed lending on owner-occupied?

Is it occupied?

The only way to ensure a reliable rental income is by having a dependable tenant occupy the property.

Conventional financing is geared and regulated for the owner occupied homeowner and is designed to protect that borrower from poor lending practices.  

The second question is, as my family is looking to occupy the property for the majority of the year, we are wondering if we need to register or seek a permit if we rent it out less than the 90 days of each year? 

The stipulation with conventional and FHA loans say you intend to occupy the the house for at least a year.

In Portland for example, you cannot do STR for greater than 90 days per calendar year if you do not owner occupy the property (unless you have a property with commercial zoning).

Mixed-use zoning has been a goldmine for many of my clients, particularly those who started with owner-occupied properties and later transitioned them to full commercial use. 

Many times you will buy a property that is occupied and it takes time to make the units vacant and it takes time to do rehab work and that leaves little time to save money for the next down payment. 2.