However, with 12 or more cats in the same place, problems arise.....So, it's not my tenants who own the cats - it's an owner-occupant next door.  

I understand that USDA requires owner occupancy, but is there any way to get out of this to be able rent my home?

Only issue for investors is the owner-occupancy requirement, which is likely a motivation for wrapping or sub2

I would get 4 unit over 2 because of breakeven occupancy.

I know there are some caveats to seller financing to an owner occupant of a SFH, but have not seen anything regarding financing of land...  

The reason you are able to purchase a house with a low (5%) downpayment is because you are on owner occupant.

FHA guidelines require the owner-occupant live in the property for 12 mos after closing an FHA loan (as owner-occupied).

I have spoken to landlords and New Brunswick has yearly rentals and also specifies maximum occupancy for each unit as well.

What do they see them selling for per unit, what is the market occupancy rate.

I would like to avoid FHA if possible because I will have more than 3.5% to put down, but the lender I was working with told me I'd need at least 15% to get a conventional through her company.Does anyone know if it's possible to get a 5% down loan on a multifamily for an owner-occupant?