The reason I have chosen to start with 2-4 units is because they qualify for FHA loans and I do want to house hack through this process as well so I would be living in a unit for at least a year (meeting the limitations of the fha loan), getting to know the tenants coming in to occupy other units and understanding exactly how it is to live in the property to be able to provide the best quality of life for the tenants.

Non owner occupied conventional mortgage if you buy a rental 1st.3.

I was wondering if its possible to take a heloc on a sub to property?

Out of state owner, not owner occupied, distressed looking property, overdue taxes, liens on property, or other.

I see many conventional lender's cash out refi at 75% LTV max for non owner occupied SFR.

I occupied one unit, which for accounting purposes owner occupied, and the other two rentals, where I depreciate and deduct expenses, and on the schedule E.

Just yesterday, I inspected a 31-unit building that is 50% occupied.

If you go this route, you will be required to sign a document that verifies that you intend to occupy the property. 

You can buy a 1-4 unit and will be most likly living for free with a duplex or cash flowing from the point you have tenant’s occupying for a 3-4 unit.

You can typically get a multi family conventional owner occupied loan with as little as 15% down.