At time of purchase it was 50% occupied, with one tenant paying $1,250/month.

I have a couple credit unions I know of that lend 100% HELOC financing out on 1-4 unit owner-occupied properties so even if your cash is tied up in home equity you can draw from that line to purchase more properties as the tenants pay the debt down for you.

FHA you can purchase owner occupied with 3.5 % down payment on a duplex.

Maybe you can get an owner occupied loan (leveraged, lower interest rate) and try to repeat.

Expenses for the tenant occupied portion are fully deductible, likely on schedule E.

@Donald Hlava start by asking for a rent roll showing the rents for each unit, how many units are occupied and what the rental history has been.

I am looking into buying a house that can be owner occupied while renting out other parts (ADU, duplex/tri).

I am looking into buying a house that can be owner occupied while renting out other parts (ADU, duplex/tri).

If they are not owner occupied, you’ll be putting 25% down. 5% down is only for owner occupied. 

I have one occupied property and my personal house currently.