Also, the units are no longer warrantable according to conventional mortgage guidelines limiting the pool of buyers if these units are owner-occupied.

Inspectors are just that; inspectors, so they can point out what needs to be fixed to meet code guidelines, but they are not who you should be asking for to get a renovation estimate.

Personal loans are subject to Fannie Mae guidelines which limit your debt to income ratios and the number of loans in your name.I can recommend good lenders for either scenario.

Whatever that equals should be a good estimate of monthly cost for utilities and maintenance (according to VA guidelines).

I'm well aware that the guidelines/costs for financing 5+ units is a different ball game.

Hey @Mike Abramowitz check the HUD guidelines for financing all three condos with only one owner.

Pete or any of the channelside buildings, will typically sell for lower cap rates to REIT's as long as they meet their guidelines.  

If a person uses an FHA loan to qualify for an owner occupied duplex, is it legal to not only rent out the other unit, but also rent out one of the bedrooms in the unit that the owner is living in for the minimum of one year under FHA guidelines.

Any other type of guidelines you would recommend?  

I believe as soon as you meet the LTV guidelines you can refinance out of FHA.