Owner occupancy requirements for this loan is (Typically) 12 months, which I am fast approaching.

The best practices approach is to have you act as the bank. 

You could also consider having more like 4-6 ads running at once with different approaches on each.

But maybe I have the order wrong and the owner had already declared bankruptcy and then they approached him with the idea to do a short sale. 

My approach is buy & hold/rent.Thank you,Didier B.

I also appreciate the tips about payment methods and such - I will definitely be taking this approach.

There's an RE Investor/Short-Term Rental Operator that approached me for a long term Lease 2-3yrs initially or 5-6 yrs later on if it works out but he would then rent it out for short-term 5-6 days as corporate rentals. 

The cost to rebuild the propertyThese factors all tie into the appraisal, but overall if it's a single family your best bet will be the comps approach, so just make sure your kitchen and bath is very nice :)

Owner occupancy requirements for this loan is (Typically) 12 months, which I am fast approaching.

They do not understand guidelines whatsoever and are simply paid to take your order for what you want and spit out a rate quote.I like your approach with wanting to put 3.5% down on an FHA loan and house hack to start your investing career.