Long story short, using Freddie Mac....or Fannie Mae....you can choose to pay a fee of 2.125% of the loan and receive the same interest rate as you would if you were buying the property owner occupied. 

Bigger Caveat: I plan on owner occupying in order to get this with an FHA loan.

Recently I have attended a couple of auctions where apartments that need significant rehab are being bid up to near ready to occupy units. 

This has been as a courtesy but in the lease agreement clearly states extermination of insects and pest while occupying the property is the tenants’ responsibility.

Great off-market opportunities to owner occupy, flip, or buy and hold.

You want to have a lot of renters looking for property to rent rather than most homes owner occupied.  

Be prepared for it to be a solid 30% more expensive than a standard tenant occupied landlord policy.

I purchased a duplex with FHA financing in July 2019 that I still occupy.

They are likely occupied so you would either need to do cash for keys or owner move in eviction.

Refinance as an owner occupied house.