Otherwise, I think the main issue is "creative financing" still requires "desperate" sellers, those that have a particular massive "pain" that just needs to be relieved in anyway. 

TD was not interested in doing a new HELOC because my portfolio is too big for their lending requirements (7 properties with primary, I thought the limit was 10, but evidently not).In any case, I am looking to either do a DSCR loan or if possible find another company that would do a HELOC on an investment property.I am wondering what lenders you are currently happy with on the DSCR side and if you know any that still give HELOCs on investments.Thank you so much! 

Lenders typically require a DSCR of at least 1.2 to 1.25, which means the property's NOI must be at least 120-125% of the annual loan payments.this would be a boost to the investing time

If we did split it four ways it would be over an acre per slice and it does seem to meet all the requirements (such as minimum lot width and road frontage etc.) for its current zoning as a four parcel set up.  

And yes, the Buyer Agency Agreement requirement is troubling. 

Something to note, if you pay cash for the house and later require access to those funds, utilizing a HELOC (Home Equity Line of Credit) allows you to retrieve that money.Secondly, the right approach for investing depends on several factors.

Remain goal-oriented, adjust to shifting market conditions, and ask for assistance as required.

I've discovered that explaining our requirements to potential tenants even before they view the property has been extremely beneficial.

There are also some other requirements, here is a good general guide:https://selling-guide.fanniemae.com/Eligibility/Mortgage-Eli...Can I ask though, what rate did you end up settling for to purchase?

What the city told you was most likely true, but you can always ask for a variance if you think that some of the requirements are already in place.But most likely the required new inspections are necessary because it's a new dwelling and the old utilities must be up to new codes.....Just my guess.....