I know they used to have a 10% down program but unsure if that was ONLY for owner-occupants.  15% arm is not bad deal either given what's going on as @Paul De Luca mentioned.Otherwise you could always go with hard money and then refinance if you are adding some value.

Secret shop them to find out occupancy and rates.

I checked into a few more things and she still lists her occupation as working with Morris Invest on LinkedIn. 

We will use a hybrid model with short-term occupants and monthly residents.

You can argue you’ll raise rents, keep 100% occupancy, nothing will break or wear out for the entire 10 years and you’ll make 50% more than today.

Just check there is no 12 month deed restriction in place regarding owner occupancy.

Hi all,I'm wondering if anyone here has had success reaching out to occupants of a home you bought at a tax deed sale?

@Dominic Pizzi when I was starting out, I bought a B-grade property every year that I house hacked (I had housemates). ...if you can tolerate having housemates (or living in a duplex/tri/quad with tenants next door), then this is often a better approach than buying a property with an investment loan, because you get all the advantages of an owner-occupant mortgage (lower DP, lower rate, better terms all around).Also, you mentioned student loans.

Do I consider them occupants, even though they only live there every other weekend?

If I conservatively estimate 50% occupancy, the total income on the property will be somewhere between $7,500-$9,000/mo.