I'd also suggest reaching out to a local agent in your target investment area - they'll have good referrals to provide you for your lending needs. 

I'm local.

Noah, I would call the local officials and ask them for your options.

I follow several local areas and the site tells me that I am not following any locations. 

I invest locally in Columbus and Cleveland.

Cities in the Midwest, Great Lakes, and South are gaining attention for their stable local economies and promising home value growth.Buffalo, New York: A Model of Stability:Topping the list is Buffalo, New York, recognized for the steadiness of its home prices and a recent surge in job opportunities relative to new home constructions.Cincinnati's Rapid Home Sales:Cincinnati stands out for its exceptionally fast home sales, with properties going pending in just five to six days for most of 2023, indicating a high demand in the market.New regions take the lead in the housing market.

I have done two moderately successful local BRRRRs and it would have been impossible to do them the way I did it out-of-state.I also house-hack my own residence and I can't recommend it enough for a beginner if everyone you live with is on board.

I see you are local to the Tampa area too.

Yeah, I think he is right on the neighbors if you deviate from the local style.

I may also consult with a local attorney.