The easier solution is to make the basement technically part of the 1st floor even if you won't use it that way, getting a third unit approved is not something that will be easy. 

Deregulation Push: Streamlining housing development regulations and approval processes2.

Any approval for something by an owner is a bottleneck in the process.

Write it down on paper and make it a goal that you'd like to find a house hack under a certain price point after being approved.

I just got pre-approved for a property, but finding cash-flowing deals in metro Atlanta has been tough, most are barely breaking even or showing negative cash flow.

Make sure it's permitted, warranted, approved by the HOA, and all that other jazz.I wonder how long it will be before the electrical grid collapses.

@Orlando Glez-JorgePlenty of lenders will lend on this - if you go to Facebook and search for lenders with 100% financing with financing spelled incorrectly, they say they lend at 3% and loan amounts from $5,000 - $50,000,000These lenders will approve you all day long, then have you send them $5,000 upfront.

Hello,I recently got pre approved and now looking at properties to house hack in the Chicago land area (suburbs).

A loan-to-value (LTV) ratio around 70-80% with a straightforward approval process would be appealing.

It took maybe a week or so for us to get our approval for our two cabins