I do have to register it for tax purposes as far as I can tell, but there are no current stippling restrictions I can find and as I’m outside of the heart of town I don’t see there being enforcements set upon my zoning anytime too soon.

Faint heart never won fair maiden, or words to that effect, LOL.  

He's my oldest tenant and property managers aren't paid to have a heart. 

@Andy Hudgins   NOt sure if a signature will be all that is necessary.. a local Charleston investor will ride by the property see its in Wagner terrace see that I indeed paid cash for it.. see that it will indeed be worth 600k in a heart beat and that a 225k loan in first position is a nice place to be..When lending to an experience builder developer who has another 11 homes under construction currently in the exact same market...

We are located in the heart of all of this and would be glad to help you.

and Friend B has a heart attack with the lost revenue.  

So it may not be available.But if you take little manageable steps until you've got a safety cushion of a few months, and no consumer credit at all, and a paid for primary residence (I admit it I do bear a resemblance to another Dave..) then you can feel absolutely comfortable going all in and leveraging to your hearts content (it's only a passing resemblance to that other Dave).  

@sherif I would love to do house hacking, so many benefits and if it was just me I would jump in, in a heart beat.

For some reason, I can't get the renters to switch over to electronic payments... and one of the rentals was in the heart of Silicon Valley.

Then when FICO comes in lower or appraisal lower or something different than we believed from the start I can tell borrower why there is a pricing add/difference.This is a question that your lender should show and demonstrate to you easily in their pricing guidelines.Your lender is lacking skill or heart.