I did have one house with horrible tenants and code enforcement threatened to call the house uninhabitable - which tosses out the occupants immediately. 

I don't have a good feel for using those sites to determine occupancy rates though. 

First off, your down payment and interest rate indicate owner occupant, and not investor.

A trick to lower financing costs is buy owner occupant and do as kind of a "live in flip".

It's nice to have a blower head in each room, so each occupant can customize the temperature, but probably not absolutely necessary.

RodriguesThere is some language from Fannie Mae in the following passage of D1-4.1-02a limited liability company (LLC), provided thatthe mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, andthe LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements.https://servicing-guide.fannie...It doesn't seem like you can close in an LLC, but you can possibly transfer it over immediately after the close.

A broker may be able to tell you Owner Occupancy density in the areas you are looking....

Then after 2 years of owner occupancy I could take advantage of the tax benefit of capitol gains - does that sound right?

What do they see them selling for per unit, what is the market occupancy rate.

This is roughly our time breakdown right now, managing two vacation rentals ourselves, both about 85% occupancy.