., an option)."

o Full doc (pay stubs, taxes, personal DTI) or light doc (asset-based, DSCR)?

I’m an investor based out of Columbus, OH.

Or do you all think its just pandering to that base.. ? 

South FL is still pretty solid for STRs as we still have a very strong tourism base.

Otherwise, I'd say it is fairly decent.I wasn’t given the option with the prepayment term.

I'd prefer free options. 

Details below:-This would be our primary residence, not an investment property (but it does have optionality via an ADU setup)-The seller is interested in selling and relocating out of state in 2 years when they retire-We have a primary home (that has been a cashflowing rental) in the same town.

I've heard about owner-occupied portfolio loans on a few different podcasts but rarely see it being talked about.Does anyone have any first hand experience or insight they could share about the possible options?

You can also plan out your budget a little bit better and choose your own materials based on how you are doing on budget.Last thing I would say is you shouldn't need hard money if you are doing a live-in flip.