As a board member of a condo complex in Colorado, I get asked by underwriters what the percentage of owner occupied units are.
I decline to answer. There are many shades of grey. Is the occupant related to the owner? If so legally only, or also by blood? Does the occupant pay rent? If so, is it market level rent? How can we verify the payments?
Until these questions are answered, there is no reliable way to make a determination.
In NC most condo developments have a cap on how many units may be rented at any one time. This is known to the buyer before they close.