But the simpler way to answer you question is don’t think of the townships as separate from the city.  

While they may use similar concepts since they are rather "tried and true," a commercial lender has more flexibility. 

Ideally I'd like someone who is familiar with the concept of house hacking and can help me with any necessary paperwork.

@Isreal Garavito mentioned my favorite passive investing book - WELL worth the read as it covers every nook and cranny.I'll share my thought process here / key concepts as well and would emphasize the fact that IRR and COC are not everything!

Complete remodel including open concept kitchen and living upgraded baths and cosmetics on the exterior.

If you tell the person its not to make a sale but help with setting prices maybe you can get a discount for a little simpler no-report inspection. 

Quinn,Can you expand upon the backing out of the FHA loan concept at all?

Howdy.In the 90’s, I attended a seminar on rehab and flipping.One of the concepts discussed was rehabbing to mimic new home quality.To that end, there was a template that was used for ease of estimation and contreacting.For example -Master bathVanity qty           1 Home Depot part number xxx-zzzVanity mirror qty 1 Home Depot part number ttt-hhhhVanity light.  

This concept this has me a little confused. 

Yeah Portland used to be that quaint as well .. that was until BLM starter their rallies and then Antifia high jacked them and made them very violent with huge amount of violence and window smashing.. what was walkable downtown is half boarded and when the nice people left the homeless replaced them.. its a sad situation.. so at least your fine city did not get screwed up like Portland and Seattle.. in this area rent control and other new rules that were passed by the ultra liberal have landlords rethinking the whole concept.