Furthermore, some situations and sections of the code can be interpreted as contradicting each other.  

Am I interpreting it wrong? 

In CA I would interpret that as a multifamily entitlement, with the bonus opportunity to build commercial.

What I have read regarding the penalties and judge's discretion to "interpret" an RTO seller's activity and the severity of the penalty for doing such makes this strategy wholly unappealing and not something I would recommend anyone else do either.

That said consult with your local housing counseling offices and broker- is there someone that can provide interpretation services for a nominal fee?

As @Joe Villeneuve said though, if this data was available broken down by market area then it would be REALLY interesting.On a side note, you can also interpret the graph this way: healthy "normal" macro ownership rates are really between 63-65.

My last loan had a charge for interpreting the appraisal.

I interpret the language as somewhat vague, but here is what it states:494.00721 Net worth.— (1) The net worth requirements in s. 494.00611 shall be continually maintained as a condition of licensure.(2) If a mortgage lender fails to satisfy the net worth requirements, the mortgage lender shall immediately cease taking any new mortgage loan applications.

Any interpretation and enforcement of a contract clause should be thoroughly reviewed by an attorney so you and your attorney can put a plan of action together that is appropriate under your specific facts.  

I am not an accountant so this not financial or legal advice but this is how I interpret it.