This is because DSCR loans do not follow/ pass consumer protection laws. when you live in the property, it creates massive problems for this loan type and the lender which would issue it to you. 

What are the laws around it?

@Paul Whitney Detroit property values increased over 20% in 2024:https://detroitmi.gov/news/detroit-home-values-increased-ave...https://www.cbsnews.com/detroit/news/detroit-home-prices-amo...https://www.detroitnews.com/story/news/local/detroit-city/20...DM us if you'd like more info...

You may want to network with other investors locally through your real estate investment club.

Advisory services (tax, law, brokerage) are also avenues.

Talk this over with a lawyer because under current state law, you will not be able to evict due to the cold.

By capping the taxable value increases for homestead properties, local governments may need to compensate for the lost revenue by increasing taxes on other types of properties, such as commercial buildings and rental properties.

Quote from @Andrew Rodriguez: I will be speaking to a local one tomorrow morning and then go from there.  

Instead of facing neighborhood opposition, builders now notify Native American tribes, How SB-423 Speeds Up Development // No More Neighborhood Delays · Developers avoid local opposition and political roadblocks. // Tribal Notification Process · Builders must notify Native American tribes instead of local communities. · Tribal reviews take up to 6 months, but the process stays more predictable. // Faster, Smoother Approvals · Fewer objections increase approval rates and reduce red tape. · Faster timelines bring more housing to the market without local interference.

Local credit unions are good for LOC's as well as other local lenders.2.