No foreclosures, most neighbors are long time owner occupants or recent buyers are high income tech people.  

These are two things you can change pretty quickly with an owner-occupied property.  

Keep in mind that you could separate it out in different ways, for instance, framing, HVAC, flooring, instead of the way I do it.NOTES: The goal is to sell to an owner occupant.

That is unless you already have a non-owner occupied permit. 

My mortgage has been approved saying that it would be owner-occupied though my broker told me there is no real consequence of just not living there once it's already been approved.

We would be co-owners of a 12 unit apt house and each receive a SFH separately through our father's will (currently in probate).

You can acquire a residential property (2-4 units) with little to no money down if you are an owner occupant.

Originally, I was listed as owner-builder on the renovation permit for Mechanical, Plumbing, and Building.

Leasing back to owners @ $2050/mo for 15 months effective 04/01/2023, with their option to extend 07/01/2024 for another 12 months @$2125 provided no missed payments and other violations listed in the agreement. 

Lowest rates to pull cash out are conventional sources, particularly if you owner occupy the house.