Your plan sounds feasible, but there are a few things to keep in mind:DSCR Loan Flexibility – DSCR (Debt Service Coverage Ratio) loans are designed for investors, meaning there typically aren’t occupancy restrictions like conventional loans have.

Here are a few strategies that might help:- Leverage Industry Benchmarks: Many investors use a percentage of gross rental income as a quick estimate for operating expenses.

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

But others investors with different risk tolerances, goals and financial situations invest in the platform.2) I feel directly owned properties are great because they give me maximum control and the ability to tweak them exactly how I want.

I often remind myself, the investor can set whatever price they want, but ultimately the market will determine the value. 

Investors with sub-4% rates have a big advantage, while new investors need to adapt—whether through creative financing, value-add strategies, or finding better deals.

HiI am real estate investor and Realtor living in Naperville, IL.

Not sure of your situation exactly, but we've definitely made that case before and helped investors with a conventional loan. 

REPS can allow real estate investors to treat certain income as non-passive. 

The Yale Law Journal article, "Zoned Out: How Zoning Law Undermines Family Law’s Functional Turn," highlights this issue, noting that while family law has evolved to recognize diverse family structures, zoning laws have lagged behind, potentially hindering innovative housing solutions like co-living.Challenges for Co-Living InvestorsFor real estate investors interested in co-living, these restrictive definitions can lead to:Legal Barriers: Difficulty obtaining permits or approvals for co-living spaces due to non-compliance with traditional family definitions in zoning codes.Operational Challenges: Potential fines or legal disputes arising from housing arrangements that don't conform to local zoning definitions of a household.Market Limitations: Reduced ability to meet the growing demand for affordable, shared housing solutions.Advocacy for ReformThe Bloomberg article, "Why Are Zoning Laws Defining What Constitutes a Family?"