"A multi-unit apartment substantially lowers risk. A vacancy in a large building is less impactful than a vacancy in a single-family home or smaller apartment building. Landlords of multi-unit properties are able to spread the cost of maintaining the property more than the cost of maintaining multiple singular units.
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Instead of buying a traditional single-family residence, you can also buy a two-, three-, or four-unit building and occupy one unit. If you do this, you still qualify for attractive owner-occupied.
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