Yes if you owner occupy you will qualify for an FHA or conventional loan.

With conventional loans, the sourcing of down payments seems to be very restricted. 

@David Wilbanks  LendingOne and Visio are two non-conventional loan options.

Funds would be extracted by active consultatoin fees charged by the Canadian entitie(s), and taken out by dividends.Considered a limited partnership for cleaner flow through pruposes, but was told that it is more difficult to get active consultation fees out of it and there is a withholding charge that could take up to a year to get back out to the Canadian entities.Your feedback is appreciated.

Worst case scenario all tenants could leave after 1 year and once property management re-fills all units, there would be a charge of $12,000??  

Would have taken a week to get someone out there to charge you thousands, not to mention down time and hassles of dealing with next of kin, probate, etc.

Am I correct in assuming my two options are to wait the 6 months and get a conventional cash out refi mortgage, or to find a portfolio lender who can refi before 6 months, but the interest rate will be a little higher? 

If you self manage your properties - what do you charge yourself as a fee 10%/11%?

If I'd have called my landlord a couple years earlier and found out he was interested in seller financing I could've saved a third of the price vs. waiting to ask about buying it 'til my self-employment and rental income made me able to obtain conventional financing.

When I hear squirly info from neighbors of my SEC 8 tenants I start monitoring the court websites to see if any of my 18 year old + occupants have any criminal charges.