3) If in the event zoning is an issue, or it makes more financial sense to not convert to a commercial loan, is there a way to SPLIT the quadplex so that each duplex sits in its own lot and I become the owner of two separate lots, each with one flat roof duplex?

The issue is it will be short term so what are you gonna do to pay it off.

Using Philadelphia as an example, in other areas, especially the more suburban neighborhoods, you could run into ERSA, steep slope, and more common to encounter interpretation issues on the part of the plans examiner.

For tech issues, it depends on what it is.

It won’t technically be an ADU as I can permit a full second dwelling, but it will be similar to a large guest house. 

It is more volatile, but it has higher appreciation rates because property prices are so much lower compared to the surrounding cities.Did you hear of the water shortage/water rights issue in EPA? 

:) To follow up on our conversation, each DSCR will have different requirements however I am not seeing an issue with you not having personal rental history so you should be good there.

My lease says the rental will be provided pest-free and I will cover any pest issues for the first two weeks.

Do you think I'd have issues renting it out and/or selling it?

It sounds like the passivity of having a new construction rental with low cap ex and hopefully not many repairs would be beneficial in your situation.I am not sure which exact community you are considering but I would definitely make sure whatever builder you are going with is high quality to avoid long term issues.