However, it's important to be flexible and adjust your strategy according to market trends, competition, and your own objectives.

With a heloc, you don't pay a penny until you use it, but it's flexible and liquid.

All in all, far greater flexibility will come from a skill set related to these degrees as someone who sees themselves as a real estate investor as their primary source of employment.

They can provide valuable insights into what works best for their loan products.In real estate investing, flexibility and adaptability are essential.

This will help me run my business and add some flexibility.

Plus with a broker you can explore alot mor flexible terms which seems to be what you are going for if you want a longer fixed term.

I have a pretty flexible schedule, but wouldn't be able to become a full-time property manager, so I may be looking at hiring one. 

But that won't help change your mind on the fact that you think zoning laws should be respected and not flexible, which I do understand.  

Look for Private Lenders: They're out there and often more flexible than traditional banks, though the interest might be higher.

This is still a very tricky area for lenders as there are not many "industry-standard" tried and true rules - many DSCR Lenders and buyers of these loans are still wary of the SRO model - that being said, it is a lot easier and more flexible to underwrite on an acquisition if you are buying and the property could be utilized as a LTR / MTR or STR as that allows for a more tailored projection (as long as the property doesn't have unique or altered characteristics that would require it to be a SRO / MTR)