They have all said if it’s a rental property it has to be a commercial loan.

I just closed a DSCR loan on a Duplex with Total Quality Lending.

They only care  that the taxpayer for the new property be the same as the tax payer for the new property.  

First deals have a bad reputation for being a "miserable experience."

@Jaxin Piercestart with a house hack."

Here is some info: SF STR FAQAssuming the info is up-to-date, it must be your permanent residence (you must live at the property for a minimum 275 days a year), you can rent unhosted a max of 90 nights a year, you need a business license, and you need to pay the city $925 for a STR certificate.

Quote from @Adam Jones: Hello Bigger Pockets world,I am new here but been investing in RE for a few years now. 

I have used LIma one on my personal new builds  ..

For holding vs. flipping, let your goals and market conditions guide you—flipping can build quick capital, but holding offers long-term gains.

Give the 90 day notice now and prepare to possibly go to court for a hold over tenant.