A couple of thoughts that might help.I recast a loan at a point where I had paid enough extra to allow recast (I think it was $5k over).

While the owner is free to sell the property and the information about how they run it as a business, AirBnB does not allow them to sell their online identity for the platform.

You can find online mortgage calculators that allow you to play around and see what happens if you do an extra payment or increase your payments.

Likely they will only allow you to live in the property once you refinance out of the debt due to rules and regulations, but you can always ask! 

They "what if" it to death and allow the fear of failure to prevent them from ever entering the game.

This allows investors to get into the market at way lower price points.

Specifically, I’m thinking of putting in an offer on a $295K single-family home zoned R-2 for multifamily use, with plans to build the maximum allowable units at the back.

For now, staying local allows me to leverage my property management experience—most of which came from working directly for family and close business associates who were property managers, contractors, and business owners.

So you're going to have to do some research on the existing towns you're looking at to see where it's allowed and where it's not allowed.

We don't allow any "deal-making" in the forums, which includes advertising your services or properties, looking for partners, etc.