Recently bought a conforming duplex in San Francisco that is tenant occupied with two tenants in each unit. 

Is it a non-conforming structure (would have to be rebuilt differently)9. are there Landscaping or other maintenance contracts in placeLet me know if you have any questions on the above info. 

Using other loan types not only are non-conforming for you to occupy (DSCR), but the downpayment minimum and the rate will be much higher kind of defeating the purpose of doing a house-hack. 

Not necessarily a bridge loan, I am mainly talking about any sort of non-conforming loan which works for your buyer.

This produces a risk if rates go up as is being predicted.If you have excellent credit, and a conforming deal, with plenty of time to close,than a bank is always the best choice from a rate and fees perspective.

(Not actively purchasing as my money is tied up in the market right now)...so with the 2 lenders i've gotten here:STR DSCR Rural (not a log cabin or other non-conforming structure) just remote sfrHybrid loan 15% down, interest only investment loan with seller paid points to get to ~8% and reduce closing costs DSCR would use long term rental rates to establish monthly DSCR and then offset monthly with average DTI and 800+ credit and high cash reserves as long as DSCR is .75+additional appraisal to establish STR rate estimates to be used alongside the standard long term rental rates5 year prepayment penalty with reasonable terms

Thanks,Steve yes any lot that doesn't conform is a zoning variance typically. very common 

@Hunter Jordan, if you have a well vetted lease written to conform to your state's laws then the answers are within.

I've published my guide to Killeen-Temple MSA and am working on my DFW one.I'm not sure if there is another good resource that focuses specifically on 2-4 family units (most people are talking about apartments when they say multi-family. 2-4 unit buildings are a different category because you can use conforming owner-occupant financing on such buildings). 

Hey Emmanuel, Determining your ROI isn't about conforming to a standard "norm" because each deal you encounter will possess its own distinct characteristics.