Nowadays, it's really hard to find any SFR that will cash flow with a bank loan on it at 80%. 

The bank can call the loan due (due on sale cause).2.

The cost to re-zone would be everything I have- and considering I have loans that exceed this -it would technically be leveraged. 

Have considered bank note investing, tax lien/deed investing, loaning it out, etc. 

What is the loan to value?

Use it if that's your best option available, but like the previous poster said, be aware that you need to have money set aside for the loan.

So loan size would be around $720,000.

To earn passive income through private lending, investors should ensure the borrower has a solid track record, and the loan is secured by the property, and agree on a competitive interest rate and repayment terms.9.Real Estate NotesReal estate notes involve purchasing the debt on a property and earning passive income through interest payments.

looking to get a DSCR loan done in Hartford CT.

And you might think about going into contract on some new builds (not buying the land and getting a construction loan - simply going into contract on new builds that will be done whenever).