Dodd Frank deals largely with offering financing to an owner occupant, them being qualified, having the ability to repay, etc.  

I found another quick way of doing it:25% of gross rent for vacancy, repairs, and reserves (you can use this rule because these are just allowances, not measured expenses)Plus $50 per month for insurance (on SFR)Plus the taxes from the county website (Make sure to add town/county, city/village, AND school; zillow is almost always missing one portion; also be sure to remove any exemptions an owner-occupant currently gets)That tells me what my cash flow will be before financing.  

A primary residence buyer more often than not will avoid homes with occupants since they don't want to be bother with having to run an eviction for the most part.

I was told by someone that if a condo association only allows "owner occupants" that a way to get around this is to make the renter a 2% "owner" only while they are renting.

They will have a well defined lending area by county.They are very strict as to occupancy requirements in my area.

That will only require ~3.5% down, but you will need to be buying as an owner occupant.

only owner occupants can buy.  

Check their website.Park management of a park with all park owned homes, starts with rapid conversion to a rent credit system (search here and on MHU) where the occupants are headed toward owning the homes and eventually will just be paying lot rent.  

Likely you're not allowed to pull the permits anyway, if you're not an owner occupant.  

On average, what do most of the smaller, "investor friendly banks" need in terms of occupancy rates to lend on multi-family?