I feel the same way as you, but Airbnb lets you filter for this when searching ("whole apartment", "one room", etc.). I've been in one where the owner lived in a different apartment upstairs, but there was no sound travel or anything.

The weird cheap investor units I've been in never had the owner around, but there was a lot of noise leakage between guests in different units because the units were low-quality industrial "pods" retrofitted into some warehouse space or something.