They also make decisions good/bad for your investment so it depends on their interest (less rentals for a more owner occupied, paint the exterior, maintenance, etc.)The positives of condos are:1) You can get in for a lower price than SFH in certain areas2) HOA is a deduction as a rental3) Condos in general require less management from me.  

The biggest issue is regarding non-owner occupied single family dwellings.

this is what they gave me for numbers. this would be owner occupied and credit over 800. 

Two answer your question if you plan on occupying one of the units then you can do 5% down IF you make less than 68k a year.

This would be an owner occupied property.

If I sell this year I don't need to pay Capital Gain tax (Was in that home till Jan-2018, after that tenant occupied)- Current rent is 1595 per month (Current Mortgage payment - $1968 includes property tax ,insurance etc).

I'm not sure how old you are but you must recall college life, particularly off campus living. just a few concerns:  furnished units have to be covered on your insurance which will effect your premium.you gotta be mindful of damages to the furniture in addition to the rest of the place. not everyone will havesticky fingers but be prepared for the occasional theft during transition at the student occupied units. the bedbug epidemic comes into play particular with the more traffic. again, its my coin. feel free to disagree.kudos,Mary

I am new to investing - my husband and I are interested in purchasing a multi-unit property here in about a year (owner occupy one of the units). 

My loan does say I need to occupy for 12 months.

Your policy is for 12-month occupancy so you need to occupy for 12 months.