With the rental being part of your primary residence, a majority of those activities such as lawncare and maintenance would just count as personal activities anyway.

Hi Sohail, I've got a great commercial lender that I have used personally and my clients have used for various commercial deals.

Determining whether the venture falls under a service or rental business hinges on the provision of substantial services; for instance, if a bed and breakfast service is offered, it must be reported on Schedule C, triggering a 15.3% self-employment tax.Moreover, personal use plays a crucial role in the classification of the property.

I've done both personally. 

If the buyer certifies that they are going to use it as the primary resedence and it has a use and occupancy permit that alows use as a personal residence then I don't see why a lender would not. 

If it is a multi-unit property, and you are the tenant without the cat, your agreement is with the landlord and it is their problem.IF you are either the landlord or the person with the cat, its the tenant with the cats problem. 

Your paying for expertise, guidance and with the right person you will potentially save thousands in other ways. 

I am personally staying away from STR‘s and MTR‘s because of its inconsistency.

You have code enforcement issue in one of those cities and they do not know you, your life is not going to be easy meanwhile the person who has been there for 10 years and knows the inspectors families name will have a very different outcome than yours. 

I, personally, have mixed views on this.