When Boston restricted STRs to owner adjacent or owner occupied and forced Airbnb to remove illegal listings off their platform, it took 3000 units off the STR market.

Hi All, Im looking to owner occupy a duplex property and keep as much cash in my pocket as possible. 

Though, a low down payment to lock in an owner occupied rate should not set you back too much if you wanted to blend the two strategies.  

Best of Luck, The 1 year doesn’t apply to when/if you are allowed to transfer title…that is the required occupancy period when buying with an owner occupied loan.  

I worked with a client who bought a 100% occupied center, only to have 50% of the tenants default within 3 months.

At time of purchase it was 50% occupied, with one tenant paying $1,250/month.

I have a couple credit unions I know of that lend 100% HELOC financing out on 1-4 unit owner-occupied properties so even if your cash is tied up in home equity you can draw from that line to purchase more properties as the tenants pay the debt down for you.

FHA you can purchase owner occupied with 3.5 % down payment on a duplex.

Maybe you can get an owner occupied loan (leveraged, lower interest rate) and try to repeat.

Expenses for the tenant occupied portion are fully deductible, likely on schedule E.