Granted I am up so much in value the negative cash flow is noise but if I purchased this at today’s rates I would have significantly higher negative cash flow for a significantly longer time.  

If you are zoned only for single-family, you would need a variance and it's very unlikely to be granted if it's not a mixed block.

Granted, I can't speak for all 8,000 lenders in the US here...but that's how the majority of construction loans work.Hope some of that helps in some way.

@Grant Francke Here is what we recommend to our clients:For Landlords- Have two bank accounts one for receiving rent that is received from Buildium and another bank account for everything that is not received or paid via Buildium.- As Buildium has all the details of the tenant, there is no use duplicating it in QuickBooks.

Or, a charging order may be granted.

I'm Grant and I'm looking to house hack a duplex with the goal of reducing my family's expenses.

For investor loans its different no doubt.. lots of wanna bee's that cant get to the finish line I will grant you that one. 

They typically involve two agreements: a lease agreement that outlines the terms of the lease (rent, responsibilities, etc.) and an option agreement that grants the tenant the right (but not the obligation) to purchase the property within a specified period at a predetermined price.Negotiation Power: Lease options can be attractive to tenants who may want to secure a property for their business while potentially benefiting from any appreciation in property value.

@Chris Purcell @Ericka Grant @Sam Magina @Gwen Fyfe - Thanks for all of your helpful thoughts and ideas.

Quote from @Grant Schroeder: @David Rutledge Glad to see your name pop up in the forums!