I am currently a junior in high school and I am on pace to save up 10,000 dollars when I graduate.

I am interested in taking the remaining time before my junior year to learn more about real estate to be able to purchase a house to house hack for my last 2 years of school.

so even if you do find someone that will lend in  junior position or cross collateralize, they may not be willing to do that against an owner occupied property. 

JT,(A) One accessory dwelling unit and one junior accessory dwelling unit per lot with a proposed or existing single-family dwelling if all of the following apply:(i) The accessory dwelling unit or junior accessory dwelling unit is within the proposed space of a single-family dwelling or existing space of a single-family dwelling or accessory structure and may include an expansion of not more than 150 square feet beyond the same physical dimensions as the existing accessory structure.

Often these days the larger tenants are more demanding and you tend to make more money off the mid to small size tenants for the development as a main anchor or mid-size junior anchor wants a lot from the owner in concessions to go into a space.You mention (desirable retail location).

I've done it but only when i'm trying to squeeze more money out of a third party while at the same time, being comfortable with it coming back to me as REO (That usually implies there is a senior lien/junior lien relationship of some sort).Some of it is art, some science, some smoke and mirror but its all in the effort to "true up" what you realistically expect to take as a loss when its all said and done, if you end up taking a loss.

What kind of junior anchors and large anchors are around the site (junior might be Starbucks freestanding, Mcdonalds, Chick Fil a, national brand gas station) or larger anchors ( Super Walmart, Home Depot, Publix, Lowe's, Costco, Target, etc.)You need to know how valuable your site is.

1) It is not yet clear but it seems that you will be grandfathered in at the time when the changes occur in regards to occupancy changes.2) Per AB-68:"(A) One accessory dwelling unit and one junior accessory dwelling unit per lot with a proposed or existing single-family dwelling if all of the following apply:(i) The accessory dwelling unit or junior accessory dwelling unit is within the proposed space of a single-family dwelling or existing space of a single-family dwelling or accessory structure and may include an expansion of not more than 150 square feet beyond the same physical dimensions as the existing accessory structure.

Per AB-68: "(A) One accessory dwelling unit and one junior accessory dwelling unit per lot with a proposed or existing single-family dwellingR1 with ADU Owner occupancy : Owner occupancy has been removed till 2025 but what happens in 2026 ?

Have roommates parents' co-sign the leases so you have someone collectible and with good credit in case Junior gets a case of the stupids.I fully plan to use this when my kids get to be college age.