However, I just started putting in offers on multifamily homes, and mortgage brokers have stated that for owner-occupied duplexes there is a 15% minimum down payment while for tri and four-plexes there is a minimum of 25% down.

We did an SBA owner occupied commercial loan.

Plan on having all 3 units occupied by early 2022, Will refi-cash out and buy some more property and pay down some debt.

It will be hard to do updates and construction with existing tenants occupying the spaces.Jonathan, it is main street retail.

If you owner occupy the 1-4 unit there are ways around this.

If he handed it off to a full-service STR management company -- assuming a 25% fee going to them -- he'd cash flow $2,235.More detailsThe purchaseWe track the Airbnb laws in Colorado closely and just last year three cities actually opened up their rules to allow non-owner occupied short-term rentals.

@Trent Davidson Be aware, finding financing for non-owner occupied manufactured home de-titled on land does NOT exist, except from private money.

Numbers look great, both units are currently occupied and both tenants wish to stay.

I live in a owner occupied Duplex in Philadelphia which also has a finished basement which is apartment style but couldn’t be zoned as a third unit.

I live in a owner occupied Duplex in Philadelphia which also has a finished basement which is apartment style but couldn’t be zoned as a third unit.