They changed the zoning map to make every side street RS-3 so these developers are just taking 2-4 units in non-conforming status and by right making it a SFH. 

Over time, I’ve accumulated more cash reserves and don’t need as much flexibility, but I’m actually in the middle of a refinance right now using an interest-only mortgage—because the pricing with the lender and the corresponding ARM is more favorable than a comparable principal-and-interest loan.The key with these alternative or "exotic" mortgage types is that you need to be financially savvy and have a solid plan.

Non traded public REIT? 

They are currently on the IRS radar due to widespread abuse:https://www.irs.gov/charities-non-profits/conservation-easem...

There are plenty of hard money lenders out there to fund your projects.

If you go this route, be aware that you’ll lose payroll deductions—so you’ll have to track contributions on your own (see IRS Publication 969 for HSA rules).2.If You Own a BusinessIf you’re running an LLC or S-corp, you might be able to fund an HSA through that payroll.

if its an investmenet property - there are not many ( if any)  lenders doing regular or DSCR  loans on rental MH homes 

@Matt Smith the reality is that Chicago is full of "non-conforming" units.

The lender is pushing you to do this to get an FHA loan.

We have assisted clients that hold property individually or in an entity and they transfer to another entity and have never had a lender call the note due.