I would confirm with the local planning department on the use and if you could get an approval through an amnesty program or something similar.

With 1/8th of the work and riskbut maybe there are no guru's selling that how to program..

in those days no seasoning at all.. and of course the buyers who bought into our program were in the home completely renovated at 65% ARV.. the 75% ARV loan dropped and they would get some cash back 5 to 10k per house we usually had them buy 4 at once.. and cash flow that was common and acceptable in those days was 100 a month positive.So they had to put 1k down on my loan  then they got back cash at close and had 100 a month positive. 

I would definitely look into the FHA 203(k) loan program if you're thinking of renovating a house hack.

Check out https://otda.ny.gov/programs/Emergency-Rental-Assistance/

Here at my office we use Quickbooks, which is a good program but overkill for just a few rentals.

FROM MONEY It's About to Get Easier for Over a Million Homeowners to Refinance Their MortgagesTwo new mortgage refinance programs launching this summer should make it a little easier for lower-income borrowers to save on their home loan payments.Starting on June 5, Fannie Mae will offer a product called Refi Now.

As a side note, regardless of your brokerage once you get a certain amount of transactions and experience you can opt in to Redfin's referral program.

They might have special programs that could save you money, by way of lower rates, or give you different financing options.

The reason they don't like this is many people commit mortgage fraud and do not actually occupy the properties after purchasing them with a low down payment option such as FHA or a first time home buyer program.