If somebody wants to get an FHA loan, then eventually turn that into a rental (short term or long term TBD), how would that typically work?

These big-ticket items will still need replacement eventually, and having a reserve fund helps avoid financial surprises.

Stack, a fact which should come as little surprise :) An eventual future bill now seems likely to prohibit conversions in Union City alone. 

You won't be forced to de-convert unless you have violations...eventually the city will start fining you.Very critical terms are non-conforming (no violations - grandfathered in) vs. illegal (violations)...

Thanks for the suggestion. to answer yours, I’m hoping to start with acquiring, then eventually development.

I may eventually just stay in one, and buy others just to rent out without me moving every year or so.

They are not wrong, you will eventually need a repair.

My preference is to own a property, and to rent it out eventually, house hack, etc.

If you eventually do hand it off, then you will know what makes a good property manager or not.

Eventually, my goal is to scale into the development world, but in the meantime, I am looking for my first couple deal.