That will be enough for your lender to proceed.I bought a fully occupied duplex and simply provided the underwriter a 60 day notice from the seller to tenant #1 that was 60 days after closing.

The fact that it is an investment adds a few points vs it being owner-occupied.  

FHA requires you to occupy the property.

Paul won't allow separate licensing for each unit, they'll want you to occupy.

This seems like a nice opportunity to get started with my very first property and I would like to owner-occupy.

For occupied rentals, you can talk/incentivize the tenant to allow a showing, but be sure to not violate on real estate laws about showings.There will always be tranferees and other people that will contact an agent to find them a rental and the agent will then control the client - requiring an owner to agree to pay the agent something to access their client.There will also always be DIY landlords that will hire an agent to list their rental in the MLS and they will have to pay the agent for their services.We do NOT agree with hiring agents to screen applicants.

I am in the process of doing a 80% owner occupied cash out refinance.

@Lamont Marable Is the property fully occupied or is this a rehab deal? 

@John Berg Yep, it has to be 2 years Occupied.

@Dave Murdock - 1 unit if you personally occupy the building.