The other issue aside from the giant hassle is now that the payment is higher I'm less likely to cash flow and will be at slightly  higher risk of default.

@Bonnie LowYou threw at least four separate (albeit related) issues into one pot, which makes decision making very confusing.1.

The Washington Post calls this announcement “poised to be part of President Biden’s closing argument that he is addressing pocketbook issues.”

- Is there a potential zoning issue (property is residential single family)?

There are two STR license types available, one is a limited use, maximum of 30 days per calendar year, and the other is unlimited but recently the full allowable quantity of proposed licenses have been issued. 

discrimination  issues. 

Akshay,If your moving out of a SFH primary and claiming 2-4 unit MF as a new primary it can present an issue with certain lenders.

I'm confident in my ability to turn over tenants and deal with issues.

You can order a property inspection report which will show you any concerns or issues with the property.

In Gary Keller’s book, Shift, he lists 25 creative options that are most common, but barely scratch the surface:- Seller Contributions- Seller-Funded Permanent Buydown- Seller-Funded Temporary Buydown- Owner Financing- Contract For Deed- Seller Second Lease Option And Lease Purchase- Seller-Assisted Down Payment- Wraparound And Assumable Mortgage- Gift Funding- Selling And Refinancing Existing Assets- Non-Occupied Co-Borrowers- Using 401(K)- Temporary IRA Transfer- Pledged Asset Mortgage- Equity Transfer And Bridge Loan- Employer-Assisted Mortgage- Lender-Funded Buydown- Fannie Mae’s “My Community Mortgage”- Running Scenarios With Automated Underwriting Systems- Adjusting Amortization Period To Lower Payment- Adjusting Interest Rates To Cover Closing Costs- State, Province, And Local Grant Or Bond Programs- Mortgage Credit Certificate- Private LendingHe said these options barely scratch the surface.