have a rental next door to your SFH would likely mean being next to a delapidate SFH.The aids health foundation has spent over $40m trying to get this to pass.  

I'm an experienced project manager with hundreds of cradle-to-grave efforts under my belt, including building project scopes and budgets, evaluating contract proposals, and managing construction to maintain the delivery of high quality products on-time and in budget.Penny is a licensed clinical social worker (LCSW), serving the community mental health needs of parents, children and families.We both recognize we have an immense opportunity to serve our community and want to capitalize on the blessings we have been provided so that we can continue serving our neighbors.My wife, Penny, and I are looking to transition into commercial multi-family real estate in 2025.

As they are in their mod to late 70's and in declining health. 

If you are following the rules then everything should be OK.This is no different than a health inspector visiting a restaurant.

Health insurance payments, Health savings account lots of options. 

Can someone illustrate what I'm missing?

Real Estate, Wellness, and Community ImpactAs I move into 2025, I’m focused on deepening my faith and prioritizing wellness, mental health, self-control, and discipline.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350, Insurance = $100, Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250, Insurance = $100, Association Dues = $25Total PITIA = $1875 Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23If a purchase, you also generally need reserves / savings to show you have 3-6 month payments of PITIA (principal / interest (mortgage payment), property taxes and insurance and HOA (if applicable).

I was informed by KCMO Health Department that landlords are supposed to be paying an annual fee to them and they conduct inspections of rental units in the city?

The sheer complexity of this matter alone is enough to illustrate the problem, but this is just the tip of the iceberg.