The bank indicated that I did not qualify for the mortgage due to inadequate cash flow and occupancy requirement (85%).

I'm fairly certain discriminating against renters based solely on their [legitimate] occupation is illegal in the State of California.

I would think on these higher end homes they wouldn't get bid up extremely high since not a lot of owner occupant buyers have $300-500K cash laying around.

I would also like to fulfill the last 2 of the 5 years owner occupancy term aside my primary concert of the degree of difficulty for renting it out.

SFR ConsShared space with your tenants/roommatesOccupancy limits: each town and county has different occupancy limits.

Hi Tom,These areas you've mentioned all have Point of Sale and rental registration/occupancy licensing requirements that can be pretty tricky to navigate (and will often require a lot of cash up front to be held into escrow/pay for repairs).  

For example I wanted to compare loan delinquency and occupancy rates between single family, multifamily, stocks, commodities and different commercial assets to see how multifamily has performed.

Looking at comparable properties sold in the area, occupancy rates, and cash-on-cash returns can help.

This determines your current DTI because its expenses per month / over monthly income = DTI- Are those duplexes non owner occupied (investment occupancies) ?

Easiest access to sellers is MLS listings, so you're competing with a lot of entry level buyers now, and even owner occupant buyers.