So the duplexes are in more quiet secluded areas and rent to more of your regular 9-5 workers there are more than people think but not much for sale. 

In Chicago it regularly dips below 32.

@David Lewis I'm regularly looking at multi-family listings on MLS and can only find cash flow in tertiary markets - think Lowell, Fitchburg, Springfield, etc.

Sunnyvale in Bay Area for example, places a owner occupied deed restriction when approving JADU permit (not for regular ADU though).“ Owner Occupancy Required/Deed Restriction (JADU Only): The property owner must live in either the JADU or the primary dwelling.

@Placeholder PlaceholderOne word of caution I would advise: If a community or local government is enacting restrictions and also regularly enforcing them, then its often a reflection of the local community sentiment which increases the chance of a neighborhood or nearby resident calling you in if they think you may be running an STR.

If you plan to manage remotely, then find a good PM or have a trusted team that can inspect your property regularly - and be ready to pay them.

I'm in Ohio and we see those lower loan amounts pretty regularly. 

They realize the due on sale clause could get exercised and believe the risk is justified by the reduced rate.

For regular tenants and/or section 8 tenants.

He is however the CEO of Grocapitus, and our projects run well and our investors have regular updates and a very different experience from what is being described.