If no one but owner-occupants can STR... then that should mean opportunity for owner-occupants who STR their primary residences in many jurisdictions.- Large remodels or construction projects (Live in Flip) can be self-managed, worked on directly, and the value add, after 2 years, is largely tax free up to certain limits. - Many areas around the country allow for ADU Construction - house-hackers enjoy similar benefits to remodeling projects by being naturally on-site for ADU construction. 

They do require these to be done on Primary Residence, and they probably do have a credit component, but may not have an income component to underwriting.

Quote from @Salil Surendran: Just rented out my primary residence and researching insurance coverage.

Do you know if I can sell my residence after using SB9 to split the lot?  

If it does vest, then the 2nd isn't currently $8k and the paperwork could further help your case.Other option is to completely ignore the equity in your residence and look for creative financing on the property you want to purchase. 

So everything hinges on appreciation, which could come back with inflation.Primary residences are often not good rental assets.

Basically, you can't STR an entire home here, or even an ADU, and can only STR out a portion of a home that you reside in.

The resident pays the second month on time and then, and only then, do they get the concession.If the market is soft, and we are having trouble renting, before we consider concessions, we look at the product, the marketing, and lastly the price.

Investment Info:Single-family residence hard money loan investment.

I'm a passive investor and these properties are in a different state than I reside in so I'm not there in person often.