Should I just relax and wait longer?

The beach is private, so the community avoids overcrowding, and families can comfortably remain distant from others while relaxing.  

Neighboring counties have more relaxed regulations, so you might try looking in those areas as well.

From what I've been told in accordance to Fannie and Freddy its 25% down for all investment multi-families.They are relaxing the rules on SFR from 20% to 15%.You sure they aren't referring to SFR in your readings?

Hit the gym to build muscle, flexibility, and stamina.

I've got some muscles too.

I give myself one day a week to relax and let go of the world.

HCD would be able to indicate what they believe, but so far I understand that HCD does not have any muscle behind them. 

I know from experience as a renter and owner that a backyard is a nice place to relax, have bbqs with friends, and other aspects of feeling comfortable at home. 

Once you analyze enough, it becomes like muscle memory.I think @Brenden Mitchum gave you some great advice.