I don't know Illinois, but in the areas I typically do business (Oakland, Bay Area in general, SoCal, LA and San Diego) the answer so far has been "no" in 100% of cases where I checked.Here's the lookup tool: https://sf.freddiemac.com/working-with-us/affordable-lending/home-possible-eligibility-mapI picked a random Chicago census tract and it's $69,920 per year (inclusive of coborrower income if you try to go that route, which you pragmatically wouldn't have been able to even prior to July 2019).

It seems to me like most hosts on Hipcamp have either farms or live on large tracts of land and they did not purchase the property with the intent of renting out camping spots.

It was a new build in a tract neighborhood.

The developers built the tract as if they were assuming these lots would be built on one day.

It's becoming more and more of a problem in contemporary homes, especially cheap tract-built properties that use a lot of less-durable, moisture sensitive materials in their construction and finishing.

My intent would be to replat into 4 tracts and re list for sale.

I wouldn't advise doing structural DIY, as for aesthetic it really depends on price point and location, it sounds like this may be a luxury home so you might want to do a little more, but if this is a tract home you could be just fine with "agreeable gray" and "tolerable tan" because spending more money does not = more value. 

Doesn't really matter but to keep everything clean I would have a business account that all money goes in and out of so you and your CPA can tract everything. 

I have had dogs all my life, and a good couple of walks per day clears their GI tract.

@Lawrence Feder I think your best bet is to use the GI bill funding for college classes about real estate or taxes under the business/accounting tract.