What about legality and insurance. if using a single family home wont the town shut you down (especially if neighbors complain) also will i need a commercial insurance policy?

. ✨ looking for ideas on to  how to acquire an owner-occupied property  with 5% down by using a mortgage loan product to purchase , improve and  avoid mortgage insurance based on projected value?

Quote from @Richard Schubert: Interest rates, insurance rates, property taxes.

While it uses partner banks to provide banking services, your FDIC-insurance protection may be limited.

Insurance placement guests tend to be very last minute, often will want to sign an initial 30-day contract and then the amount of time they will extend is very unpredictable but can sometimes be upwards of 9 months.

Crowdfunding withing the US residents has a lot of regulation and that's the only barrier as far as the custody of crypto even though difficult not impossible but the actual asset t's risky also because it is a volatile asset and any cryptocurrency therefore for US residents unnecessary to raise funds through (unless using stable coins) crypto since the US dollar is what most end seller would require.

Check into insurance and tax rates in the areas, along with estimated mortgage costs. 

What are the best companies to sign up your properties with for insurance housing placements?

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

These items can make it expensive or difficult to get insurance for as well.