I am in college studying accounting, I work in a restaurant and as a German teacher making $2000 a month, my credit started 6 months ago and is 690.

Right at the same time I began renovating, I started the air B and B permit process, all of which was completely divinely guided.  

Knowing local building codes, permitting requirements, etc.. are important. 

Ethan, I bought my first single family rental property at the age of 21 when I was still in college.

Hello all, I am currently working on getting my real estate license and am also a college student. 

You’re also unlikely to get any decent financing.If the property is already zoned for 4 units then you’d need to pull permits for the work already done, have it inspected, and redo any work not up to code....which would probably be a boat load of work and time.  

I came across a single family property that has a kitchen in the basement without a permit as well as the deck on the backyard.

Look at zoning either online or at the City or County courthouselook up both the Zoning Map and get a copy, if one exists of a Zoningtemplate, which explains what each zone permits and may allow under aSpecial use or Condition permit.B.

SFH rental but it's college housing so typically every 12 months.

However, if this "maintenance team" is offered to all unit owners, then using HOA money for it would likely be permitted.