If you would like to learn more about how we can add value to your situation, I would love to have a 1:1 call with you.

and demand....yet today was a first for me.

Agree, it has to be STR compliant.

In this case, you can use Rental Income from the units that you will not be living in and that income can count to help you qualify.FHA rates are going to be lower than conventional for you almost always, but FHA does have a 1.75% funding fee. 

If you have four 2-bed/1-bath units with the same appliances, split it four ways and call it a day.

You came to the right place, Jason!

If you're unwilling to charge a common fee, I wonder how you're going to handle a problematic tenant who is late on rent or responsible for paying the plumber to remove a kid's underwear from a clogged toilet.How will you conduct a credit/criminal screening without an electronic application?

Welcome to BiggerPockets!

Buy an existing house to live in and add an ADU in the back.

If she is worried about her gas bill, she apparently can't afford to live in this unit.