I’m having a hard time finding a great price in a great location and I just can’t seem to pull the trigger on anything.

You might want to get in touch with @Andrew Freed and Jonathan Bombaci, they are locked into several of the MA meetups which are great ways to connect with other investors in real life.

My advice: don’t overthink it—your first house hack is about learning, so pick a strong rental market, ensure solid demand, and lock in a deal that gets you close to break-even or better.

It's was so easy for me getting started to get shiny object sindrome instead of locking in ONE STRATEGY, ONE NEIGHBORHOOD, ONE PROPERTY TYPE, ONE RENOVATION TYPE, etc. 

You have three choices...transfer the property and keep the loan in tact hoping they won't trigger due on sale, refinance into a loan that allows it, or simply leave things as they are. 

RM-4.5 zoning would allow for a higher unit count and could provide more flexibility for future development, regardless of ADU policy changes.One potential benefit of rezoning before any citywide expansion is that it might allow you to lock in additional density rights ahead of any potential restrictions or revisions the city could impose when expanding the program.

However, there's a critical detail that many tax advisors conveniently overlook when promoting these studies.Here's the uncomfortable truth: If you're a high-income earner (AGI > $150,000) and not actively managing your properties, those promised tax savings might be locked away for years.

As long as you own it you will not trigger any tax. 

Lock-out, should they continue to not come even, would be typically less than 14-days.Unless the tenant comes even with the rent (which would result in dismissal of the non-payment of the case), there is generally limited defense to this process.

Usually this triggers eviction.