There are STR zoning restrictions, you will want to research on those before jumping in. 

Does anyone have any suggestions for how to get around these restrictions, or know which if any municipalities don't have these kind of restrictions?

Some lenders will require secondary appraisals, or a desktop appraisal, will want to see some sort of improvement on the property, and may have cash out restrictions. 

Here in St Augustine, they are banning certain neighborhoods, and putting restrictions on others.

You can cash out after 6 months from date of acquisition, but only up to the limited LTV restriction of 50%.

I understand there are sq. foot restrictions based on the loan type.  

Now a historical area on the other hand, with restrictions... this makes me look at what I will have to do and the extra steps I would have to take to do it. 

To me the quadplex would be dual purpose, while you are not living there it serves as a reliable stream of income, once you move there, you could live in 1 of the units while you build your permanent home, and you could also use it for when your family comes over for large gatherings.A 2nd option might be to build an RV park, Unless their are zoning restrictions, you should be able to build one fairly inexpensive, with a septic system and either public water or a well, you can keep your costs to a minimum by doing gravel roads, which are easier to remove later if you don't want them. 

I think if you were sharing walls or in same house, then certain quiet hours in lease or noise restrictions can help prevent some issues. 

Here, you should be obtaining a geotech report and reviewing the title report and the zoning  to verify there are no deed restrictions or zoning overlays.