I may not like what others are doing but if I don’t do what they do, I may end up handicapping myself. 

Specifically, I was looking to rent my basement to either handicap or disabled vets.

Is this a businesswoman make money .. or a community reinvestment building for mentally handicapped?

When they say you can restore it to normal and take it with you that's more common with handicap fixtures inside the property.

Watch out for the school bus, handicapped pedestrian questions, ....a major trap for us foreigners.

Question I have is whether I am potentially handicapping myself in the long run by taking out conventional owner occupied mortgages on properties now. 

My end goal is small apartment buildings built to be handicap accessible.

Don't do any combination of these things when doing Subject Tos: 1. don't do a "kitchen" table closing 2. don't use a Quit Claim deed 3. don't ask the bank for permission 4. don't do one without a title report 5. don't write up the paperwork yourself 6. don't do one unless everybody who has an interest in the property is on board 7. don't ever miss a payment 8. don't do one if the property is in bankruptcy 9. don't do one if you don't know what you're going to do with the property 10. don't do it in a trust 11. don't try to hide what you're doing 12. don't buy unless you know all of the numbers 13. don't buy unless you have a solution for the "Due on Sale" clause 14. don't do one if the loan is underwater 15. don't do one if it's with a "vulnerable" group (elderly, handicapped, minority, etc) 16. don't do one if it's still in probate 17. don't do one if it's a reverse mortgage 18. don't one one if it's a FHA loan (unless you really, really know what you're doing) 19. don't do one if the seller wants to buy a house in the future 20. don't do one if it's in forbearance 21. don't do one if there is a 2nd loan or lien 22. don't do one if the other owner is in jail or "location unknown" 23. don't "not" record the warranty deed. 24. don't do it at all without disclosures.

If you buy a one million dollar primary, it may well handicap your future investments.I hope something here helps.

One of the clients is an elderly handicap male that needs elevator service.