I’ve been trying to find deals that will benefit me 3-4 years down the road when I move out and rent both units, here’s my question: is there an equivalent to the 1% rule when owner occupying?

Aside from that, my reasons for choosing Charlotte were that :It has a strong economy with a variety of industries & a growing tech sceneThe avg rent-to-income in Charlotte is around 27%, which makes it pretty affordable for tenantsThe rent to home price ratio was relatively high (2% rule, though it looks like it may need to be more of a 1% rule, as with other places)It's generally safe, with crime trending downward over the last 10 yrsNet inbound migration was highHome appreciation was up, but not ridiculously so like some other markets (like my home state in CO)It's near to several other potentially attractive markets if Charlotte _didn't_ work out for us, like Raleigh, Nashville.All these factors lead me to believe Charlotte is going to be a good place to acquire buy & hold rental properties and try my hand at a new business.

. $14/night AirBnB tax, and letting renters pay their deposit over the first 6 months of the lease, among other ridiculous laws), as well as increasing my property taxes 25% this year to pay for their wasteful spending, versus a more conservative government in Phoenix garnering less property tax and more relaxed rental rules.  

The IRS describes 6 different methodologies: detailed engineering from actual cost records, detailed engineering using cost estimation, survey or letter, residual estimation, sampling or modeling and rule of thumb.

But because Phil knows that if anything is done incorrectly along the way, you could get into a lot of trouble if accused of brokering Real Estate without a License, he justifies his 50/50 split of the many thousands of dollars profit that would otherwise be going to just you, by suggesting that he can give you the secret sauce that will allow you to not break those brokering rules.But I agree with Matt Jones' point. 

Again, I know there is no RULE, just looking for everyone's thoughts on that method.The savings for me are real and I will realize them should I buy that deal. 

Does anyone else know other rules that may prevent a RV renter from moving onto my property? 

Insurance out side of any flood zone is about the same as the 500 year zone.Flood damage to property is expensive to repair without insurance and a decent rule of thumb is to budget $25/ft for repairing a home in a flooded area [but that can vary a lot depending on the damage] 

That may be the state timeline rule but federal rules (trump state rules) require payoff to be submitted within 7 days of request.

I have great renters who try to follow all the crazy rules that the hoa has made up.