For your new residence, as an owner-occupant you have several attractive options.

To get another owner occupant loan for MF you may be able to find something for 10%+ down payment.

It is my plan to keep ownership of the duplex after my owner occupancy is concluded and cash flow both apartments.  

So let’s say you buy your first property as an Owner occupant it cost $100,000 you live in it for a year and want to buy another property and rent out the first.

Your lender will have a few go-to contractors that are cool with the way FHA 203k makes them wait to get paid ("normal" FHA is actually FHA 203b fyi).FHA 203k requires owner occupancy (but is available on multi-unit BOOM MAGIC  HAPPENS HERE).

For a sale to an owner occupant, usually unless there is an exemption

That's better than an owner occupant who will get no income from the property.

Over the last 5 years, I've averaged about 67% occupancy per year.

Bush (current occupant) and Ronald Reagan.

I'm getting financed as owner occupant and with my job I am limited to properties nearby.Wow I'm typing a lot so I'm going to wrap this up...So recently I found this property at 310K.