I have checked the data on AirDNA but couldn't see the entire data since I haven't subscribed the membership.I am also interested in finding out whether my house in King City is suitable for applying for Secondary Suite program ( we have an unfinished basement with seperate entrance) and any other strategies to increase the income stream on the property?

Let's say that I want to get a mortgage credit certificate (MCC) on a home that I am going to live in. 

Shop around to local/regional banks and credit unions.

I saw a 3-family house and planned to buy and move in as my primary residence and applied for FHA or Fannie Mae financing but I tried with a few mortgage companies and all got rejected so far. 

We thought about using credit cards to fund the renovations but don’t want to risk damaging our credit score to do so.

@Kevin Romines I saw how you did that with the loans that would apply to me as an investor and those that the buyer would need.

You are 100% correct on this, which applies across the USA and aboard.

Just paying the taxes gives you no legal leg up on owning the property.....that is misinformation.....maybe they are referring to Adberse Possession which wouldn’t apply in this situation typically......state laws are specific.You are going to have to talk to a probate attorney in Your state.  

Financing:  My credit is good, but again I want to clear up some personal stuff first for peace of mind. 

Will be looking to apply.