One thing I wanted to mention...some of the property management companies are not tracking the owner occupancy correctly. My HOA just states the onsite vs offsite addresses and it shows at about 50 (probably 65% is the more realistic #). I know of one recent loan that required those involved to speak to the VP at the mgmt co to get it correct, and I'm hoping the tracking gets done correctly in the future. You may get an inaccurate number, so ask how they came up with the number...they need to report 2nd homes so there are no problems. If possible you could try to ask a board member to help you as well. Board members are listed on the AZCC website (if you're buying here). This is a big issue for condos, and being able to get financing in a complex...hoping this changes so they are all accurate. Good luck! If you are buying, and getting a loan, your agent can contact the recent financed sales and possibly be able to speak to those lenders to see if there are any issues with financing.