My lender is telling me that this is no longer an option as of Jan 2019 and you must put down 20% for all FHA loans pertaining to any multifamily property, can anyone confirm or deny this?

You could also look at living near Peoria Avenue in the Brookside or Cherry Street (15th Street) areas because Peoria is slated to get a Bus Rapid Transit system with frequent (15 min) bus service in a few years.

You can't deny a tenant applicant for being Section 8.

If you want to stay for more than 90 days consecutively on a permanent basis, you just apply for a residency and there's hardly any chance you'll be denied if you have no criminal record.

They will deny it, but you can be sure of it - I am in the business

And also check if you're near a bus stop to waive parking requirements for the ADU and make sure that your lot can accommodate 2 parking spaces of 9'x18' (in the OC, they require 4!) 

@Tanveer Mostafa I believe that would actually prevent US-based lending, but that is not something that I can confirm or deny on any lender's behalf.

Generally a Bus License is easy to get, you just go to the Govt Offices and fill out the form and pay a few bucks (less than $50 usually).

I confronted the tenant but they denied the 2nd dog and said it's only there for "play dates".

Then I confront the original complainer about the “offending” tenant’s concerns which are also denied.