OO= Owner occupied (i.e. primary residence)NOO = Non owner occupied.Couple of notes:1) I heard it from a little birdie at my loan broker's that the fannie mae limit is going up from 10 to 12 soon so we may be able to go to 12 in a little bit.2) Once you get over 4, you're going to need to really do some digging to find lenders that can do the 5-10 loans (i.e. loans for properties 5 thru 10).

Commercial can be great, but I haven't seen any non-tenant driven projects in quite some time here.

Hey BP Community-I have started a business with another investor and we are now doing our first non-owner occupy multi-family property.

In many other parts of the country this would be a non-event.

And my second concern; would a non contract agent provide the necessary comps.

Plus the developer has gotten grants from the state and many non-profits.

And it would have to produce reports that would be satisfying to techie people like my wife while also being meaningful to non-data types.

This property sounds like a pre-existing but non-conforming use which predates the current zoning requirements regarding parking.

Rochester is a good market, 20% down on a duplex with you living in one might be a good start, Owner Occupied in one, Non Owner Occupied in the other.

Conventional financing is tough for small town, non-franchised eateries.Small town may mean aspects of commercial assessments like traffic count, location, tax issues, permits and regulatory matters in that business may not be too appropriate.