With Dodd Frank there is several gray areas and as a builder can I legally owner finance a new construction home out?

Anyway - this all feels like a bit of a gray area to me, and wondering if others have insight or experience in this realm. 

Excellent contributions @Spencer Gray.

@Spencer Gray thanks for sharing your experience

When I was able to eliminate, or at least drastically reduce, the wishful thinking and gray areas, things got a lot easier. 100 percent is much easier to execute than 98.

And please no more gray and white!  

There is a door that separates the two units, but there is still some noise transfer.In the past I've used this product to provide some acoustic separation, but the company no longer sells it and I haven't found another supplier.https://www.amazon.ca/Conditioner-Windshield-Waterproof-Soundproof-Panel-Gray/dp/B07L3M8KH5/ref=asc_df_B07L3M8KH5/?

@Stefan Gray I recommend posting an ad on Airbnb or furnished finder for the specific rooms you are looking to rent out and just be sure to clearly state that in the listings they are renting out a private room with SHARED common areas. 

@Jack Gray I agree with @bruce I typically see what you described cost around $2-$4k with my local mold guy.

I recommend calling some city offices pretending you are in the market for an illegal multi and asking hypotheticals.I would look into the STR idea, considering regulations on those are also gray right now.