-Want to buy a home as a househack but current rent on the occupied unit very low?

Non owner occupied refinances are extremely expensive as Fannie and Freddie don't want them and lenders must hold them until things loosen up, so you won't get better rate deals on rentals.

These loans focus on the property, your credit, and cash flow of the your business operations for the Subject Property.If you are looking for investment properties that you are planning to occupy, there are also other programs that you might qualify for. 

It's 59 pads (54 of which are occupied) with all tenant-owned homes. 

As for buying straight up conventional or private, in a non-owner occupied situation, in my experience, you are not likely to find a solution for less than 20% down in the general market place. 

A Borrower may be eligible for another FHA-insured Mortgage if the Borrower is vacating (with no intent to return) the Principal Residence which will remain occupied by an existing co-BorrowerA non-occupying co-Borrower on an existing FHA-insured Mortgage may qualify for another FHA-insured Mortgage on a new Property to be their own Principal Residence.

It is easier to get a HELOC on an owner occupied property than on a rental property, though it is possible to get one on a rental.

According to NJ law, a landlord can choose to not renew a lease for any reason if it is a small, owner-occupied property.

Also, if the home is non-owner occupied then you also pay a rate 18 mils higher generally.

This is a 3 unit home and you're occupying one of them.