If there are no boarding house limitation to the number of unrelated persons, does this structuring matter?  

Yes Ramsha you need both if you are in Tucson city limits.

My ‘buy box’ may be limiting me.

Many lenders include a prepayment penalty  that lasts 3-5 years, which could limit your ability to refinance again if rates drop in the future. 

Years ago I saw homes in areas like Lemon Grove with large floorplans and limited rooms.

He is very interested in real estate business especially long-term rental properties in Dubai, but he has limited knowledge of rental properties, so he joined this community to get a good understanding of how real estate works, and how to manage his properties while living in USA, and to get in touch with real estate owners.   

I think the person in the mirror has reached the top of the knowledge limit and needs someone that is an expert to move me to a higher level. 

@Raj Vardhan, in my limited experiences, 6 or 12 month seasoning is common if you want to borrow based on new appraised value.  

@Kwok Wong With limited exceptions its customarily the lower tier neighborhoods that present both BRRRR and cash flow.

But if you find the right builder, having a new construction cabin is so much better for rent and to limit expenses, its well worth it.