That's correct, most lenders do calculate income based on the entire property as a long term rental...is it possible that you could find a property where this isn't an issue?

If you have multiple properties your rates may be increased or you may be dropped because of the claim or you may not be able to get a new policy from that carrier for many years.I can't stress enough how much of a mess the insurance market is... think about it this way.Imagine 95% of the primary home mortgages in the US were unprofitable for the banks that issued the loans - how easy would it be to get a new loan?

Most vacancy issues in stabilized multifamily is due to a stubborn owner holding out at too high of price.Vacancy is much more of a factor in retail and office where tenants aren't so easily or quickly replaceable.

Initially, we began by working with builders as a small crew of hands-on guys doing the work ourselves, but as we grew, we realized that builders faced various problems such as poor workmanship, communication issues due to language barriers, laziness of workers, and high turnover of “skilled” labor.

Went under contract once but inspection came back with all sorts of issues.

I also saw another post from a few years back regarding this same issue so it seems it still needs to be fixed.

Immigration makes this issue much bigger.Yes, our labor market depends on immigrants.

This seems the simplest, but will it cause issues down the road when I goto cash out refinance on the same property once casita is built with heloc money? 

Quick rundown of the numbers:Purchase: $130,000  Mortgage and escrow: $1045 Total Expenses: $1195Rent: $1500Total cashflow: $305Primary issue right now is a 2 year buy back term for a DSCR loan that does have a large penalty for that first 2 years. 

Understanding local regulations and zoning laws is crucial to avoid legal issues.