A two-bed unit will typically be occupied by a single person or couple and they can easily wash dishes by hand.

My fiancé and I currently own 2 multi families under conventional loans (a 3 family owner occupied for 3 years and then moved out to owner occupy a duplex).

One thing to also always confirm in the bylaws is what the percentage of owner-occupied units is in a development by the HOA.

Not homeowners insurance which is designed for owner occupied properties and include other lines of coverage like personal contents and jewelry watches furs etc.

"House Hacking" is now such a fad that those MFH with one open unit fly off the market even faster than the shiny object dream homes for owner-occupiers these days. 

So long as they intend to occupy the property at least part of the year, there’s usually no issue.

Here's my dilemma: I can either refinance into an owner occupied conventional and keep the rate about the same and low, but I'll have to live in the duplex for another 6 months to a year.

Here's my dilemma: I can either refinance into an owner occupied conventional and keep the rate about the same and low, but I'll have to live in the duplex for another 6 months to a year.

(Houses were still considered temporary in this way in Japan until very recently, and in medieval Europe, most peasant housing was also temporary and rebuilt on average every 30 years, so this isn't really a strange thing.) 

Mel,Generally Dwelling Fire policies are more than Homeowners policies (generally more claims on non-owner occupied properties.