Because most states have an eviction moritorium, your options are restricted. 

With the minimum Fanny Freddy commercial loans starting at $1 million, I'm restricted to local credit unions and banks. 

Additionally, this section would restrict rental housing providers from issuing “notices to vacate” due to nonpayment until after the moratorium ends and prevent providers from requiring a resident to vacate the premises until 30 days after the notice is served."

At the end of the day..banks need to lend to make money so what could change is maybe it will cost more in fees to do the cash out refi or maybe they tighten up certain restrictions but best way call some local banks and hear it from the horses mouth

FYI there’s many many homes built over property lines in not master planned no deed restrictions communities.. its out in Crosby Texas a small city 10 mins outside Houston.. and I got the home for 40k renting it for 700 a month.

Just to make sure the construction and building configuration you have in mind isn't in conflict with setback or other restrictions as Luke mentioned.

Being financially literate is the first step, in my opinion someone can be a bartender (pre COVID 19 restrictions) hustle there *** off and make $1000-$2000+ a week and save there way into a real estate investment.

Does this impose on R1 zoning?

Some or my tenants stopped making payments thinking they would some get away with this at the end mainly because all sort of restrictions put in place by govt that only benefits tenants not anything to the landlord at all other than mortgage forebearance may give you temporary relief however, if tenats can't come up full amount at the end ( which most of the tenants wont be able to) mortgage forebearance periods, landlords will need to come up with all dues which acumulatively will be so high, which most of landlords may not be able to cover plus, tenants may rather just leave which will make a big dents to landlords and/or some cases, landlords wont have any choice other than defaulting mortgage payments which is even more deadlier than it looks. 

Anyone know what the restrictions are and how difficult it is to buy an empty lot that is attached to a property that I own that’s owned by the Philadelphia Land / Redevelopment Authority?