If you decide not to do a DSCR loan, the second home loan is a popular option, but there are lots of drawbacks for investors as it is really a product made for regular home buyers.

In a different market, there may be lots of demand for individual rooms and little demand for the whole home, making rent by room the better option.

The house is in a pretty great neighborhood with excellent schools and options to commute to most parts of the bay area and I am confident that I will be able to rent it out soon. 

Could anyone recommend me a good book on investing in multi family homes? 

Doing a renovation now and have the option to do x2 2bed 2 bat units or x3-x4 1 bed 1 bath units.

However, converting these into desirable, owner-occupied homes could capture untapped market segments, particularly as economic conditions improve.Age Distribution and Market DemandDiverse Age Groups: The presence of young adults and an aging population suggests varied housing needs—from starter homes to downsizing options.

@Roger D Jones curious, do you charge for any of those options/services?

Our tenants have been in the house the past 3 years; they're good tenants and people, and we want to do right by them while also meeting our own needs at this time.My first option is to approach the tenants and see if any of them want to purchase the property; that would probably be the smoothest exit for us.  

I just realized tonight that if I can get a place on seller financing or subto, I don't HAVE to move my family into a multi-family for one year before we can move on and move up!

What factors would make such an option more attractive?