Because of this, there would be a restriction of each party’s ability to access/occupy the property and thus would disqualify it as a second home loan.  

It is always advisable to do some research before buying homes to make sure that it is not built on land formerly occupied by hospitals, cemeteries, prisons, policestations, or other equally Yin places.

Hi NathanLast I checked a year ago, CBiz and Proper only do non owner occupied STR.

Usually, the people wanting to buy occupied rental properties are investors though, and you wont get as much from them.

I recently read in an article from Star News Online that insurance rates for non owner occupied coastal properties are likely to go up 10% this year. 

Newbie Searching for a Potential house hack .. there’s a duplex In the area However, it states that it is fully occupied.

Consider the age of the facility and how occupied it has been.

Couple questions:1) if we had a partnership, and he lived in the house, does that qualify as ‘owner occupied’ for bank financing purposes?

But there are still conventional (non-FHA) options that you can use for 5% down, again and again, with the same 12 month promise to personally owner occupy.

FHA defines it as "A Principal Residence refers to a dwelling where the Borrower maintains or will maintain their permanent place of abode, and which the Borrower typically occupies or will occupy for the majority of the calendar year."