I am already have a good lender that has pre-approved me with a DSCR loan so all I need is to find the right market to invest in!

You would still save more money 9 out of 10 times living with your parents but being able to leverage a low down payment loan will allow you to get a very high ROI on relatively safe investment. 

Any laws against repaying the loan in stocks instead of actual cash?

Go to your town clerk, and look up all the information on the loans on the owner and the property.  

I am using a conventional FHA loan to acquire the property.

Hard money loans will almost certainly not cover 100% of the property’s purchase price and will require a chunky amount down (eg 20-30%) from you.

I would talk to some lenders  getting land loans and development loans with no experience is next to impossible starting out.. 

There are tons of loans out there that use just the projected or actual income from a property vs the payment of the property (DSCR loans). 

We are getting a loan for between 400k and 500k for 5 years on a property that we are buying for 955k.  

Consider starting with a few lower-cost flips with a smaller loan-to-value ratio to reduce financial strain.Market Research: Sacramento can be volatile, so I’d recommend keeping a pulse on local trends—particularly in the neighborhoods that have potential for growth but haven’t quite hit their peak yet.