A bank wants 20 to 25% down for non-owner occupied.

So still go ahead with option 2 even though in future my room will be occupied by tenant anyways?

This property is a duplex and I’m going to owner occupy for a year, both units are currently empty so I get to pick my own tenant.

HELOCs are typically for owner occupied properties only so I would shop around for a Cash Out Refi or a Line of Credit on the property. 

1 unit has to be owner occupied for at least a year with a FHA loan.

Buy a SFH as owner occupied property and rent out 1/2 room if possible.

I would be owner occupying, but obviously the ADU is not technically a "liveable" space.

Gardner, MA Cold call (non owner occupiers/expired short sales)11 Scenic Ave Webster, MA Cold call on Foreclosure starts list36 Ridge Ave Athol, MA Active on MLS43 Cortland St.

I have carriers whom would not have a maximum number of roommate as long as the owner of the property is also occupying the property full time.

We purchase from auctions quite often and they're usually sight unseen, here in cali you get a lot that are occupied with makes it worse, and vast majority have a really quick closing date which means most people use a hard money loan or cash.