Then use an FHA to buy another duplex or quadplex.Thanks Occupancy fraud, where you lie about occupancy intent to get the lower down payment better interest rate options that only owner occupants get, is by far the most common type of mortgage fraud.

On the application we require the name of the pet, the breed, the size, information about shots, etc. you are approving another occupant, so you better be comfortable with the history of that occupant.

FHA obviously requires owner occupancy but when a co-borrower does not intend to live at the property FHA classifies it differently.

Buy a house with traditional owner occupant financing (usually better terms than given to investors) and then move out and rent it.  

@Travis HauserIf I were in your shoes with young children (I'm assuming pre-school age) I would buy my first rental property (sfh or small multi) as an owner occupant - Live there for a few months or a year and move to your second rental property as an owner occupant - repeat as often as possible - Once your kids are school age, this will become less attractive because you will want to keep the kids in the same schools

It is a method of calculating residents utility bill based on a combination of factors such as occupancy, apartment square footage, and number of beds.  

There is a lengthy owner occupant certification you will sign.

Water: Tenant is responsible for all water bills and water usage beginning the 1st day of occupancy.

One addendum I would note is that Keene has occupancy restrictions based on zoning.

Properties that are managed long term will have lower occupancy if not managed well.