Can I house-hack an Isle of Palms 2-4 family with low money down?

Financing a 2-4 family with a smaller down payment usually requires an owner-occupant loan, since you need to live in one of the units yourself to qualify for that lower down payment treatment. Isle of Palms also has its own zoning and rental restrictions that affect whether a legal 2-4 family even exists there in the first place. Brian can tell you where that zoning actually allows a multi-unit purchase on Isle of Palms.