I am joking with this comment, but I was going to ask if you were new to Biggerpockets with your cash flow comment. 

Thanks for the comments.

@Chris Mason has commented on several threads about the potential danger of not being able to get conventional financing on a single family lot that has more than one "additional unit."

Any and ALL comments and advice would be appreciated.

I second and third all the comments above.

To update my December 4 comment: The filing requirement is back on as of December 23, after an appellate court ruling.

Couple of notes based on comments you made in response to others:1.

Feel free to comment there.

Trust me, I have been there.I suggest you try to House hack in cities that you are already familiar with and have some connection with.Hire a great investor agent in that market and ask them all your questions and concerns.That I believe is the best way to get personalized advice tailored to your goals and lifestyle.You giving out Cleeveland and Toledo on your post will only attract biased opinions and advise.Only you know what you truly like, want, and can deal with.As Nicolas said, read this post and comments and hope that gives you a new perspective. https://www.biggerpockets.com/forums/12/topics/1215726-break...https://www.biggerpockets.com/forums/963/topics/1195280-expe...https://www.biggerpockets.com/forums/48/topics/1137397-balti...Goodluck and keep us posted.

The problem (as you have cited) is trying to understand what you need (you don't know what you don't know), where to get it, qualifying its source(s), and the validity and usefulness of all that.Pardon me if I've gone into this too much, but I meet many people with the same concerns that you are voicing and this is offered, as much as possible in direct response to your post.Please feel free to contact me if you have any comments or questions.