I will tell the future tenant's or owner to not lick the siding. 

I tell you man some stupid dumbass moron came up with this idea and every single one these sheep out there decided it was such a good idea everyone started doing it without an ounce of thought.

The issue is that fix and flip and DSCR loans are business purpose loans where you are required to sign an affidavit of business purpose / non-owner occupancy saying neither you nor your relatives will live at the property.

Nights, weekends, irrational/emotional clients (this last one goes just as much of owner-occupants as it does for investors).  

Every day I wake up to look at Google News and there is at least one article about Foreclosure, or Fixed Income Tenant can't stay where they have been from before the Covid or the Widow who has lived in the 2/1 house for 50 years cannot pay the increases in Property Tax, Home Owner's Insurance, Lights, Water and everything else.

We have two options on ours and the owner can choose. 

pay $200 directly to the owner.

Get the legal docs together, decide who will do what in the deal, and sign.

Here is how most work:•Rates: 9% to 13% (Most Deals are 11-12%)Terms: up to 36 Months (Most Deals are 6-12 months)Fees: 2-4 points(%) of loan amount paid at closing (Most Deals are 3 points(%))Minimum Loan Amount: $50,000 (For loans less than $250,000 $2,500 minimum fee)Max Loan: 65%-70% of After Repair Value(ARV) 100% Rehab Financing Available (Require 20% of purchase price down payment or cross-collateral)Closing Timeframe: 48 Hours - 3 Weeks (Most Deals are 2 Weeks)NO PRIMARY RESIDENCES, NON-OWNER OCCUPIED ONLY, BUSINESS AND COMMERCIAL USE ONLY.

The mortgage is $1100/mo and will rent for around $1900/mo whenever we decide to move.