- If so, what restrictions do they have?

I use the individual stackable units when I have space restrictions.

I have heard there are FHA construction loans but that they are pretty restrictive and do not allow for multi unit construction.

It should be noted that the cases were prosecuted against companies that owned and sold thousands of properties nationwide, not against small time operators, but anyone who attempts to follow the model is better off hiring a well versed in the subject matter attorney and be aware of state specific restrictions (like in NY, Wisconsin and others) on Deed for Contract agreements.  

I would also recommend paying attention to the landlord restrictions, rent control and overall laws as it relates to owner/tenant relationships.

Also, HomeReady/HomePossible (Conventional loans) can be just as favorable for househacking but also bring Conventional Conforming income guidelines to the deal, rather than the more restrictive FHA guidelines. 

Certain neighborhoods do not allow STR so be sure to check the restrictions when looking.

One thing I continue to think about is how valuable 2-4 unit properties are becoming, and will continue to be, since Fannie/Freddie took the income restrictions from the 5% down conventional loan option for house hackers. 

Condo: Condos may offer maintenance benefits, while homes provide more control.Size and Layout: Ensure the property accommodates your child’s needs and potential roommates.HOA Fees and Rules: If considering a condo, check for restrictions that may impact student living.4.

Restricted food benefits, no fast food and cheetos, no, basic food, basic everything, SURVIVAL.