I'm not saying you can't find something in the 3s or 4s - always good to shop around, but the nature of lending is based on statistical rate of default, and owner occupied properties are statistically less likely to default than non-owner occupied. 

I have several investment properties and have a weird one here.My tenant, who the lease is with, passed away from natural causes in the summer.

Account ClosedThe best write-offs are payments that you would have to pay regardless if you were in the rental business or not.This is allowing you to shift payments that were generally personal in nature but because it was also required in the business is now an eligible business deduction.

Unfortunately I'm not too sure how it would work in a different country due to the difference in contracts and things of that nature.

This leads me down a rabbit hole:This is likely a very old house.It likely has some deflection in the floors (so you are never going to fill gaps and have the filler stay)Wood joints aren't true any longer due to shrinking of a 100+ year old materialYou have a number of different patches if looking across all of the pictuers.So, the last thing I would do is refinish this floor with a natural/stain finish.If it was a section 8 grade rental or similar, I would do a sand, vacuum, and paint with a flooring paint a brown.

You will need to develop that look if to doesn't come naturally. 

@Luke H.There have been multiple well thought out responses albeit of a vague and generalized nature based on the limited initial information provided.

As a noob, I naturally feel comfortable investing in the area I currently live (Tacoma, Washington) simply because I live here and can build a good network and team - but I am not opposed to expanding my search further!  

If the above is too sensitive, let me know if you’d like to connect with a PM. 

Real estate is geographically sensitive so it's better if you have people who are local who understand the growth and additional up/downside of the property you're weighing on.