I am a military member that took the "owner-occupied" real-estate approach for the first 3 properites I purchased. These properties were turn-key and bought at close to maket value. This, of course, was before discovering BiggerPockets. I recently purchased my second 4-plex using better BP principles. Now, I'm trying to apply my new-found knowledge toward acquiring more 1-4 units properites, and eventually expand into commercial real estate.