I have basically a tier type way to group them into highest demand/occupancy and amenities of the community to second and third that have descent amenities and maybe a bit further from Disney.  

I'm looking for advice on finding a low-down (<\= 10%), low interest rate (<6%), and 30 yr term lenders for owner occupant multifamily purchases (not FHA).

Because the guys who issue these citations are code enforcement, and they also do things like inspect my rentals for certificates of occupancy.

It's extremely under-served on Airbnb and VRBO, and occupancy rates are very high compared to more popular areas.

Go out and look at homes like yours, check the nightly rates, occupancy, amenities etc.

Setting the rent, in this case, would be a bit of a challenge, as a fair rent would find some sort of balance between the risk of a loss if the STR experiences low occupancy and the reward of making more profit should the occupancy be high.  

I have a lender that will give you 0% down on a 4 unit owner occupant.

Ask occupations around town that are always driving like mail men, delivery drivers etc that if they see a vacant looking house send it your way and you will give them a referral fee for doing so. ( if your state allows you to assign contracts without a license you can legally give them the referral fee, if it’s not allowed you won’t be able too)Paid:1.

You are required to sign an FBI occupancy certificate at closing to state you’ll be using the property for the intended purpose (vacation home where you spend at least a couple weeks a year).

Also, what's the minimum occupancy rate that you would look for?