Rufo, so you are violating the HOA rules so I don't think they would cover anything if it is the fault of your guests.This will eventually catch up with you and could result in some big fines so maybe think of selling this or converting to a LTR instead.

Thank you very much for your help!

This was back in 2016.3.

If you go this route, consider hiring a trusted property manager local to the area who knows the market well.I have personally owned and managed a multifamily property in Illinois and after selling it I said I would never invest in that state again.

ThxSachinYes, there are builders who will do this.

I don't know any lenders doing this other than possibly the VA (can anyone confirm/deny this?)

(FYI - this was an SB9 "two unit development, not an SB9 lot split). 

This is the time you need to realize you need to own your own home because 13 dogs is a major problem. 

Once you feel you've built a strong team with your first property and have solid systems in place, I would then start buying more aggressively and taking on bigger projects.I suggest reading this BP article on the core 4.https://www.biggerpockets.com/blog/core-four-real-estate-team

An investor with shallow pockets could get burned in Austin at this time.........proceed with caution.