my experience has been that with fema insurance--owner occupied is $500, non owner occupant $2000. 

My take on it is that you do have to sell to a owner occupant on most of them, the local investor thing I am not sure is 100% true either but easy enough to find out. 

My idea is to purchase a multifamily, ideally a fourplex, and get an FHA loan as an owner occupant.

Tax rates for rental property investors vs. homeowners utilize their home as occupancy are MUCH higher (6% vs. 4%) which doesn’t seem like a lot but the millage rates per county are double sometimes triple for investors meaning tax rates for investors can be 2-3 times higher for investors vs. homeowners.Good luck in your journey and feel free to PM if you want to talk shop sometime or have any questions about the area!

The thing that I like about HUD homes is that good deals can be made for the right properties especially while the home is under the "owner occupant only" bidding period.

Up here we get away with John/Jane Doe & all occupants for the court ordered removal.Sheriff was awesome called for backup & actually had one in handcuffs.

One of the most basic, albeit powerful, calculations I see is occupancy rate... but I don't understand how to calculate it.

Does this group deliver higher occupancy then other PM companies? 

Is the down payment assistance solely for owner occupants? 

If another same-model house has 10 occupants between grandma, grandpa, mom, dad, 4 kids, brother + wife + 2 kids in the same 5-6 bedroom house, why would zoning go out of their way to pick on 4-6 single professionals earning probably 250k+ jointly and being very "green" through their low-carbon living that's kicking their student debt in the teeth?