I found this odd, so I decided to call Cobb County and they advised that a basement can only be rented by one adult with some kind of square footage per person limitation, and I could not wall off the basement door.

The majority of STR properties in Oregon fall within the loan limits of  up to $2-3M depending on the property type.

Rick, I think online permits are limited to the items below that I pulled off the website: Request Electrical & Plumbing permit for new or replacement electrical & plumbing for single family/duplex homes

Given the complexity of San Francisco and the eviction control measures that exist you do NOT want to do this on your own and need to make work with a landlord attorney to accomplish this. 

Do you have a set temperature limit?

Based on your financing options, you are going to be limited to 4 units or under, given 5 and over become commercial lending, so no FHA or owner-occupied options.I am assuming you plan on living in one of the units, but to be clear, that will be a requirement for at least 12 months, under most mortgages.You may get other's posting about talking with wholesalers or trying to find off market deals.  

Even more are evicted informally.My company manages 400 rentals, and we evict less than 1% per year.How do you measure up?

The people advising to put properties into LLCs and not the loan, and add additionally insured to their policies have no idea what they're doing.The fact is everyone doing this in an attempt to limit their liability, is actually doing the opposite and greatly increasing their liability.

One issue is the challenge of qualifying, as conventional loans will have DTI requirements, income requirements, loan size limits, and loan amount limits that investors looking to scale a portfolio run into as soon as the financial freedom snowball starts rolling.

As long as the property generates enough cash flow to service the debt, you qualify—without the need for personal income verification.This type of loan is ideal for those serious about growing their real estate portfolio, especially if you’re self-employed or have irregular income streams.Why DSCR Loans Matter for Real Estate InvestorsWhen it comes to real estate investing, traditional loans can often be restrictive, requiring personal income verification and imposing limits on the amount you can borrow.