Are you looking for a lender contact on this, or wondering how to structure the business? 

Not all lenders will allow this, that is called an Overlay, but per guidelines, this is allowed since 2017.

You will need two years of your 1099 documented income to qualify for a loan as a 1099 employee, both years of taxes complete for them to formally pre-approve you most likely.You need to bank as much money as possible.

Read books like Set for Life by @Scott Trench and Start with Strategy by @Dave Meyer to get the mindset of starting on the table before going too deep into an asset class or something like flipping.

In 2020 I bought my first house 3 bedroom 1 bathroom and a 2 car detached garage for $175,000 and put a 10k downpayment on it and interest rate was 3.5%, in 2023 I decided to rent it out for $1350 mortage was $1106.62, in 2024 we raised the rent to $1450 and our mortage currently is $1144.76- I never put into account repair expenses, Capex, vacency until I read on rental investment properies book.

This appears to be a misuse of said contingency.

Once things are stable again, then you can educate yourself and focus on how to improve your investments to protect you against this situation in the future.

I'm curious if there are any future plans for this neighborhood beyond developments like the Gravities, Bottoms Up, and other breweries.

While I read reviews, I typically use it to remove those that I would not invest in, meaning does the sponsor have a bad reputation.

I work with a lender that allows that as long as we can document some explanation that the borrower doesnt plan on occupying the home as a primary residence.