I would suggest you use a different non-qm loan product that allows for family members to occupy but doesn't require you to make it a primary residence.

What types of products are you seeking?

It might be a good idea to look into what tech related companies are emerging with real estate-related products.

Sellers are sophisticated enough to pick the best offer, they only see the price and the terms, any other negotiating tactics are a waste of time.  

Deductions are a matter of legislative grace and the taxpayer bears the burden of proof, both of production and persuasion.

There are still down payment assistance options or portfolio products for lesser of a downpayment but your terms on those are worse. 

Complaining, or (overly) worrying, about these things is counter-productive. 

One visionary comes up with the idea and creates an ingenious product, but later generations will always have the advantage of hindsight and trial-studies from which they can improve their design.It's very difficult to say where the whole space will go. 

AS John points out, yes, we do have LOC products for investment properties in Texas.

He's out of Rochester, has lower limits for DSCR but also has a ton of options for loan products.