Use 30 yr fixed rate mortgage to buy 1 property every 1-2.5 years, re-classify the risk every 8-12 years.

You could focus on community banks, but even then, chances are slim they will fund something without any income stream.Any lender will have to classify your loan if they take you on, and unless you have a very well established relationship with your banker (which doesn't sound like you do if they refuse to renew your loan) they won't bother writing this kinda stuff.

@Maxwell Lee,  I could help you clear up some key points w regards to classifying a property.

All over Pierce County there are residential code levels that cause multi-family homes to be classified as a single family home.I just researched a property for a client to figure out the same questions you have.Example: Lakewood, WA Single Family home has two properties with separate addresses.

.- What is it you like in that book that classifies it as the best in your opinion?  

Like what exactly classifies non-residential on CMX2.5 etc While I am in pursuit of properties, that information is quite useful.

Anything long and straight aimed at a home or building can be classified as a poison arrow.

I have not really looked into these but I have heard people say they are much better than the ones for property value.Also around hear most people will search out places on Craigslist so look up other places in Lawrence and see what they are going for.I don't know for sure but you can also take a look in the Eagle-Tribune online or hard copy and see if there are classified ads for places.  

Why would you want a piece of land classified as "wetlands?"

I am thinking more along the lines as Marian, where you will be saving more on the down payment and interest rate by owner-occupying the home rather than it being classified as an investment.I recommend Anthony Snare & Associates, by the way if you are looking for a local lender.