is a home with an accessory dwelling unit adu owner occupied 
yes if you as the owner are living in either the main home or the accessory dwelling unit adu then a home with an adu qualifies as owner occupied the bottom lineowner occupied units give potential investors significant savings and the ability to climb the property ladder at a lower income than if they are just buying a home in which to live the potential for rental income offsetting your own housing costs is attractive but don t forget the significant downside of living with your potential tenants make sure you know what you re getting into before you sign on a deal that will make you a landlord to your roommates 