@Ricky Hernandez  We bought in two different communities that had no rental restrictions then later imposed cap of 10% rentals. 

If the covenant specifically prohibits renting out rooms or STRs, you may be restricted from doing so.You should carefully review the covenants tied to your property to understand the specific restrictions.

Important things to look for: if you want to STR (you will make more this way) then no rental restrictions, if you plan to MTR, 30 day min works, anything longer doesn't.

I didnt realize there were so many restrictions in Oceanside/Carlsbad.  

There are no restrictions preventing out-of-state investors from purchasing rental properties in Texas—these investors enjoy the same opportunities as Texas residents.Additionally, the financing restrictions you mentioned don’t align with reality.

please send me a case example I'd love to read. that's one appraisal. the knowledge I have as a licensed general contractor working with investors from 5 cities at a time all over the country buidling 3 different floorplans I would say trumps one ADU you read about online 

To guarantee compliance, also acquaint yourself with zoning rules and municipal restrictions.2.

As mentioned above, Portland has more restrictive rules than most of the state of Oregon.

You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

There may be restrictions on when you can exit and how you exit.