I have researched the SAFE act and associated legislation.

Using a licensed professional to originate the loan SHOULD result in a fully compliant loan; but primarily do to the complexity of the legislation, the changing of the agency regulations, and legal interpretations of law, it may not.

Also a dwelling two or more stories in height, occupied by one or two families and with five or more transient boarders, roomers or lodgers residing with any one family.https://www.nysenate.gov/legislation/laws/MRE/4

Learn the laws in your state FIRST by going to the states legislative site or pick up a Real Estate law book, you don't have to be an AGENT but you SHOULD know your states RE laws.

The "strings" are likely legislators idea of being good stewards of the publics money.

This legislation has created forced motivation.Case and point I have a neighbor whose rented his place for 15 years, never missed a rent payment and doesnt want to leave.

Like any data resource though, trust but verify and make sure those numbers are accurate via a property management company and local realtor and especially be cognizant of any short term regulations and/or pending legislation that might be going on in the area as well. 

It seems like legislation is leaning towards 180 days/year, which would be perfect!  

No "grid lock" is how Congress passes a 2,000+ page piece of legislation in a couple days without reading it.

The legislation, which Harris plans to introduce next week, would ban evictions and foreclosures for a year while giving tenants up to 18 months to pay back missed payments.