Hey Brandon, Some would require some reserves, or at least to show cash to close on any new deal.Are you anticipating opening up a HELOC on your primary to get the cash needed to close? 

I don't think you will find it, but if you do, it'll cost ya.It sounds like an amazing house hack if you can move your life around to make it your primary (and the financing will get MUCH easier).

My husband and I just moved into our new primary residence about 40 min outside Savannah, GA.

I know SC is steep for non-primary residents.  

Quote from @Brandon Croucier: That’s a killer loan if they are actually offering that.Seems extremely below market value as even primary mortgages are higher than this right now.I would beware of a bait & switch on this. 

There are several myths that we have to debunk before someone truly believes they can do it.You need millions of dollars to do a dealThat it’s too complicated to figure outThat permitting takes yearsIn those communities developments cost way less (think a couple hundred thousand along with a loan from a regional bank), permitting is not difficult (much less red tape), and the towns are small enough that both the city staff and the local architects and engineers and contractors all work with you to help you navigate the process since you’re all invested in making your community better.Note: The big boys can play in the primary & secondary markets.

., zoning exceptions for business in a primary residence, city lots for sale for under $15,000.  

Initially, I was focused on multifamily properties, but after doing more research and considering that I will be making Florida my primary residence, I believe that house hacking or short-term rentals (STR) may be the ideal route for me.i still will own my Southern California home; shift it to secondary.  

For example, I hate to sell anything, but I am selling two properties to raise funds for a new primary that meets my goals.Study the market and really lock in what it will rent for.

In addition, you've got your HELOC on your primary you'd have to be paying back also.