If you intend to use the home for personal use, it should be easily accessible.3.

Looking for an some guidance and possibly a sample if anyone is willing to share. 

Due to the owner occupancy rules and personal matters, I'm really trying to purchase in state.

Martin I agree and fully expect to fire rate the floor/ceiling separating the units but the exterior walls that the units don't share does not seem typical and that's what I'm looking for clarification on.  

I’m the personal representative on the estate, seems to be causing me trouble getting adscr on it.

Hi - sharing an article published here on BiggerPockets last year on this exact topic - all the financing options for Short Term Rentals!

That could be a pro or a con depending on your personal feelings about being involved in your property management. 

I will be happy to share info on both of those with anyone interested to learn more.

Thank you for any comments, questions or personal experiences with this situation.Anita

When you sign the FHA loan docs that you are moving into the property as a primary residence and you personally do not move in then that would be fraud.