Not going to get into a discussion about people being able to do what they want in their house but in PA, recreational use is still illegal. 

We're actually looking in Hagerstown, MD; Erie and Pittsburgh, PA.

Realtor® | Licensed in PA & NJ @Shawn Washington what about the program in Philly became too much of a headache?

My PA lease has specific clause on the second matter of your question. 

look at markets in PA. 

I found this article that allows Fannie Mae and Freddie Mac loans to move the loan to an LLC: https://servicing-guide.fanniemae.com/THE-SERVICING-GUIDE/Pa...as long as I am the majority owner in the LLC. 

Quote from @Chris Strausbaugh: I'm located in Pennsylvania. 

I'm in a cheaper cash-flowing market in PA.

Quote from @Paige Corsello: Hi Bobby, the majority of my business is in Pittsburgh, PA and Florida Paige I can go 80% cash out in PA In FL I can go 75% cash out and 80% rate and term

That area in PA can also work for STR and MTR so if you buy a 4-unit, you have the option of diversifying the asset inside of itself by doing 2 LTR, 1 STR, and 1 MTR if you wanted to give yourself some options.