Building Small-Multi Family (2 to 4 units)

[John Lyszczyk]

I am currently studying for my Builder's License here in Michigan and I am wondering if anyone on here has experience in building small-multi family apartments? There is a shortage of attainable homes and housing options for certain income levels. I am wondering where I should start. I know multi-family building is a general topic, so to narrow the scope of the conversation the areas of main concern are...

-Financing (Who is the best option for financing? Credit Unions, local banks, etc.) What experiences have you had?

-Zoning: I am very familiar with how zoning works and who to talk to regarding zoning in my area. Has anyone ever changed zoning of a property to allow small mutli-family building? I've noticed some zoning areas specify the number of units that are permitted to be built. The zoning boards I would be dealing are small townships and not massive cities. 

If you have any insights or experiences in these areas I'd love to hear from you! Thank you in advance!