To avoid an issue just refinance the property and convert to investment if you have at least 85% LTV.

It's a 3/2 , 1,680sqft house in Braselton with a finished basement (2 bedrooms, den) and a recently converted garage.

We’ve been tossing around the idea of converting one of our bedrooms into a gym (treadmill, weights, bench, etc with towel and water service).

You could also do one more 1031 exchange into a 721 upreit and convert the real estate into shares of a REIT.  

Or now you just convert it into a STR and enjoy the cash flow of a 10+ unit building

If you like to have a ceiling fan in your house get whatever you want and take it down when you convert it to a rental.

I bought a 4bed/2ba home in a great neighborhood and converted the detached garage into an ADU while living there.

It's a 3/2 , 1,680sqft house in Braselton with a finished basement (2 bedrooms, den) and a recently converted garage.

Most lenders will have clauses that allow them to modify the terms, freeze, or even call or convert the line if certain events occur, to include ambiguous events like changes in personal financial circumstances.

The attached 2 car garage was converted to living space by the original owner.