My question is: how do you do that and comply with Dodd Frank, which imposes numerous regulations if you finance more than 3 properties per year to consumers who will reside in those properties?  

There are numerous articles on this site that explain the pros and cons of investing in multi-family vs. single family.

We have numerous who have their payments set up to auto-pay.

Major issues are lack of parking, lack of elevators, leading to numerous unlived in units.  

I'm not always opposed to some of these measures, but I am objectively looking at how this will affect investing decisions.I agree, the reclassification of vacation rentals to commercial property is the big issue I'm watching.

Financial objective- 100% to 400% cash on cash or don’t do it.  

That's the main objective.

Don't pay for a coach that has numerous warning web articles from cities.

I'm sure you'll recall the numerous back and forth emails you and I had, following your many emails to our employees.

There are indeed many tempting short-term investment opportunities in the market that look very attractive numerically, but their potential risks can easily lead to pitfalls.