Also there is no restriction on acquiring conventional loan on primary residence even if you have maxed out on conventional loan for rentals.

However, there are lenders who offer more flexible terms or even no prepayment penalties, depending on the deal structure and your investment strategy.To find such lenders, here are some options to consider:No Prepayment Penalty Loans: Some lenders, often private or portfolio-based, offer DSCR loans without prepayment penalties, though the trade-off might be a slightly higher interest rate or fees.Yield Maintenance or Defeasance Alternatives: Ask about other prepayment structures like yield maintenance, which can sometimes be less restrictive depending on market conditions.Custom Terms: There are lenders (like us at Phoenix Funded) who can structure loans tailored to your needs.

The lending options will differ based on this: For 2nd home, 10% down is available, but there are restrictions regarding how much/long you can occupy the property.

Each jurisdiction has their own Zoning designations and restrictions, and they can Vary significantly.

Yes you can but it depends on the lender some lenders do not allow due to overlays and in house restrictions. 

Portland has gone a step further, imposing requirements almost guaranteed to trigger unintended violations.

.** Strictly restricting this for when doing comps between properties in the same sub-division **

There are restrictions such as a maximum LTV lowered by 5% or requiring a higher minimum credit score.

These are primarily found in cities with a population >1M.Pro-business environment: Many cities treat employers as adversaries through restrictive policies.

Doing a quick scan off I see there are about 5k STRs in Colorado Springs (assuming you are there and not a neighboring town I am gonna say the town has minimal restrictions).