Home
Forms Library
DECLARATION OF NON-OWNER OCCUPANCY

DECLARATION OF NON-OWNER OCCUPANCY 2026

DECLARATION OF NON-OWNER OCCUPANCY Preview on Page 1

See details

4.3 out of 5

44 votes

The document is a 'Declaration of Non-Owner Occupancy' where the borrower certifies to Roza Real Estate Loans, Inc. that the property securing a trust deed loan will not be their principal residence. The borrower confirms their actual principal residence and states they have no intention of occupying the secured property as their main home.

Here's how it works

01. Edit your form online

Type text, add images, blackout confidential details, add comments, highlights and more.

02. Sign it in a few clicks

Draw your signature, type it, upload its image, or use your mobile device as a signature pad.

03. Share your form with others

Send it via email, link, or fax. You can also download it, export it or print it out.

How to use or fill out DECLARATION OF NON-OWNER OCCUPANCY with our platform

Ease of Setup

DocHub User Ratings on G2

Ease of Use

DocHub User Ratings on G2

Click ‘Get Form’ to open the DECLARATION OF NON-OWNER OCCUPANCY in the editor.
Begin by entering the loan amount you are applying for in the designated field. This is crucial as it specifies the financial aspect of your application.
Next, provide the address of the property that will secure your loan. Ensure this information is accurate, as it identifies the collateral for your loan.
In section three, confirm your principal residence by filling in the address where you currently reside. This helps clarify your living situation to the lender.
Indicate that the property securing the loan is not your principal residence by checking or marking the appropriate box provided in this section.
Finally, sign and date the document in the designated signature fields. This step is essential as it validates your declaration under penalty of perjury.

Start using our platform today to complete your DECLARATION OF NON-OWNER OCCUPANCY easily and for free!

See more DECLARATION OF NON-OWNER OCCUPANCY versions

We've got more versions of the DECLARATION OF NON-OWNER OCCUPANCY form. Select the right DECLARATION OF NON-OWNER OCCUPANCY version from the list and start editing it straight away!

Versions	Form popularity	Fillable & printable
2014	4.3 Satisfied (44 Votes)

be ready to get more

Complete this form in 5 minutes or less

Get form

Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Do banks check owner-occupancy?

Occupancy verification is a process used by lenders and mortgage professionals to confirm whether a borrower truly resides at the property they claim as their primary residence. This isnt a trivial matter. Home loans often come with different terms based on whether a property is owner-occupied or not.

What is the down payment typically required for non-owner occupants?

Properties owned by LLCs or corporations are often non-owner occupied, and this information can be found in public records. Attending local real estate auctions is also a fruitful way to discover non-owner occupied properties, as many are sold in these settings.

What does occupancy type non-owner-occupied mean?

What Is Non-Owner Occupied? Non-owner occupied is a classification used in mortgage origination, risk-based pricing, and housing statistics for one- to four-unit investment properties. The classification means that the owner does not occupy the property.

What is the difference between owner-occupied and primary residence?

Owner-occupied property is a piece of real estate in which the person who holds the title (or owns the property) also uses the home as their primary residence. The term owner-occupied is commonly associated with real estate investors who live in a property and rent out separate units to tenants.

What is an owner-occupancy disclosure?

An owner-occupancy clause states that a home buyer financing a primary residence must: Move into their new home within 60 days of closing. Live at that residence for at least 6 12 months after move-in.

Security and compliance

At DocHub, your data security is our priority. We follow HIPAA, SOC2, GDPR, and other standards, so you can work on your documents with confidence.

Learn more

Who would be considered a non-owner occupant?

Most lenders require at least 1525% down for a non-owner-occupied investment property loan, depending on the number of units and loan type. Many lenders allow projected rental income to count toward your qualification, but only a portion (usually 75%) is factored in.

What does non-owner occupied mean?

Non-owner-occupied is a property classification in real estate for properties that are not occupied by their owners. Generally, the classification is only used in residential real estate. The term is commonly used for single-family homes and condominiums that are owned but rented to tenants.

DECLARATION OF NON-OWNER OCCUPANCY 2026

Here's how it works

How to use or fill out DECLARATION OF NON-OWNER OCCUPANCY with our platform