The property is owner managed and very poorly managed I must add.

@Vivian O. the simplest way to think of it is that a Warranty Deed gives full ownership and maximum rights to the owner with no restrictions other than those imposed by the government on all properties and by your lien holder if you have a mortgage.A Trustee Deed gives ownership with restrictions. 

-EARLY TERMINATION FEES This is their last opportunity for them to make money out the owners.

PenFed 80% LTV non-owner occupied 

Here, if the tenants find out and report you to the utility company, they will unilaterally switch the utilities account into the owner's name and may go back retroactively to when the tenant assumed the utilities account and sock you with the bill. 

Owner also has property tax, insurance, and outdoor upkeep.$78k annual rent with ability to add $1500 a month for vacant space.

Does anyone know of a bank that is friendly to owners that want to keep their anonymity from the public?

Hey everyone,I recently decided I’m going to build a fourplex to owner occupy.

Hey everyone,I recently decided I’m going to build a fourplex to owner occupy.

@Harrison smith i tried Brandon he can't do non owner occupied.