Under Civ. Code 2924.15, HBOR’s provisions apply only to owner-occupied properties.  But the section goes on to define “owner-occupied” as property that is the borrower’s principal residence and security for a loan made for consumer purposes.  This decision reads the definition literally, holding that so long as the property is the borrower’s principal residence, HBOR’s provisions apply even if the borrower does not own the property