@Robert MendenhallA couple points:Buying a 2 to 4 unit building with either FHA or VA financing and living in one of the units is a GREAT way to get started with home ownership and investing.

lower out of pocket cost and if it's your first deal less stress if something goes wrong. seller financed homes.

Here are some considerations:Pros of Using a Hard Money Lender:Speed: Compared to standard lenders, hard money lenders can provide quicker approval and financing processes, which lets you take advantage of time-sensitive possibilities.Flexibility: It may be simpler to obtain financing if HMLs are more accommodating when it comes to credit history and property condition standards.Access to Funds: You may take advantage of more investment opportunities by having quicker access to the equity in your property.Experience: For first-time investors in particular, certain hard money lenders offer invaluable experience and advice that can be helpful in navigating the fix and flip process.Cons of Using a Hard Money Lender:Greater Costs: Hard money loans might have interest rates and other costs that are greater than those associated with standard financing sources, which raises the project's total cost.Term Length: HMLs normally provide loan durations that are shorter, usually lasting between six months and a few years.

MLS How did you finance this deal?

I'm not too familiar with this form of financing would love some advice on how to capitalize on it !!

They have helped many of our investor clients with creative financing. 

I want to purchase another property (preferably multi-family) and move into one of the units to take advantage of owner occupant financing and avoid the 20% down. 

Or, have him seller-finance until you can get the permitting resolved. 

Here are some considerations and advice for your situation:Investigate your choices for financing multifamily real estate.

Here's a simplified and effective approach: Gather Information: Obtain details about the property, including its purchase price, estimated rental income, expenses (such as property taxes, insurance, maintenance costs, and property management fees), vacancy rate, and any financing terms (e.g., interest rate, down payment, loan term).Calculate Gross Rental Income: Determine the total potential rental income the property could generate annually.