We've come across a few like that that didn't specify no hard money or HELOCs, but didn't allow non-owner occupied offers for a certain number of days.

@Nitin Suma  Check your local laws to see if there is a cap on how much you can raise the rent for an occupied unit. 

I plan on living in a home and doing a rent by the room. Should I do the landlording myself or just hire a property manager?
I have a W2 job (40-80 hours a week) and a Real Estate business (getting close to quitting ...

Currently a jurisdiction can mandate a property with a JADU have a unit on the property be occupied by the owner.  

I'll be speaking to FHA/Fannie Mae/Freddie Mac types of loans.In these worlds, homes fall into 3 categories - primary homes, secondary homes, and investment properties.A primary home is one that you intend to occupy.  

Also, make sure it wasn’t owner occupied prior and if you will not owner occupy, that the taxes will go way higher.

How long have the tenants been occupying the property?

I am still looking for that 4th person to occupy the remaining bedroom.

Is this an owner occupied loan?

So, I would plan for owner-occupied conventional mortgage.