Homeowners/owner occupants (typically speaking but all states have different laws regarding this) are offered higher standards of notice and protection regarding the home in which they live as opposed to a property owned by a legal entity or non owner occupant homes.From there, any other reasons a contractor would ask would be for level of finishes, hours to operate, need to cover and protect furnishings, ability to work on all parts of home at once, etc.

It's also owner occupant for first 20 days so that's helpful in my favor, also it's a Fannie May homepath, not sure if that would change anything.

Example 1: Three Financed Properties Occupancy Outstanding UPB Monthly PITIA Reserves Calculations Subject: Second Home $78,750 $776 2 Months PITIA = $1,552 Principal $0 $179 N/A $0 Investor $87,550 $787 $230,050 x 2% = $4,601 Investor $142,500 $905 $230,050 Total = $6,153 Example 2: Six Financed Properties Occupancy Outstanding UPB Monthly PITIA Reserves Calculations Subject: Investor $78,750 $776 6 Months PITIA = $4,656 Principal $133,000 $946 N/A $0 Investor $87,550 $787 $345,030 x 4% = $13,801 Investor $142,500 $905 Investor $84,950 $722 Investor $30,030 $412 $345,030 Total = $18,457 Example 3: Eight Financed Properties (DU ONLY) Occupancy Outstanding UPB Monthly PITIA Reserves Calculations Subject: Investor $78,750 $776 6 Months PITIA = $4,656 Principal $133,000 $946 N/A $0 Investor $87,550 $787                              $629,530 x 6% = $37,772 Investor $142,500 $905 Investor $84,950 $722 Investor $30,030 $412 Second Home $124,500 $837 Investor $160,000 $1,283 $629,530 Total = $42,427

Due to the proximity of the property to bus, ferry, and tunnel access to NY I'm almost at or above 90% occupancy and I make well above market rent for the area.

You must serve the tenant, or any occupant age 13 or older.  

(This is not practical or economically viable)* Maximum occupancy of 2 PERSONS PER BEDROOM.

This block in particular is good and quiet, it's actually mostly owner occupants so there is pride of homeownership. 

Furthermore, if you would be willing to live in the property you can go as low as 3.5% with a FHA loan or 5-10% with many owner occupant loans from banks.Plenty of ways to do this.

For me that's weekends - about 8 days a month, 2 person occupancy.

First, I would ensure that all occupants over the age of 18 have completed an application passed a background check.