@Caroline PowellAs long as the final product ends up being a residential 1-4 unit property where the primary borrower intends to reside in one of the units as their primary residence for 1 year, then you can do an FHA loan on it ... including the FHA 203k. 

Is this a multifamily building or single family building? 

"I will buy at least one single-family home, duplex, triplex, or fourplex before the end of 2019") and then do it.

So you can either block the day or pay you pay them what they’re asking to be away from friends and family on major holidays.

I am closing on a house and family member of the owner is living there, who has no lease, or should be in the house once I close.

Unfortunately, not all HOA communities experience increased home values due to poor management, local market conditions, and special assessments for unexpected expenses can lead to dissatisfaction among residents. 

I want to build a home for my family to live in and enjoy. 

But in family travel markets like Orlando, larger STRs still offer a far better dollar value.

After researching, we found that converting a single-family home into a duplex could cost around $200-300k.

Normally, families look for suburban life.