Another issue is these homes have standard 15-30 year loans in my personal name ..... so that is another issue ! 

I may not have enough to win a court case but I have emails of him needing certain documents like the BK balance and loan number which I found before it was too late and saved the deal because I knew it was public record Quote from @Marcus Auerbach: This sounds like a real dumpster fire.

Hi Sohail, I've got a great commercial lender that I have used personally and my clients have used for various commercial deals.

I've done both personally. 

If it is a multi-unit property, and you are the tenant without the cat, your agreement is with the landlord and it is their problem.IF you are either the landlord or the person with the cat, its the tenant with the cats problem. 

If the buyer certifies that they are going to use it as the primary resedence and it has a use and occupancy permit that alows use as a personal residence then I don't see why a lender would not. 

You have code enforcement issue in one of those cities and they do not know you, your life is not going to be easy meanwhile the person who has been there for 10 years and knows the inspectors families name will have a very different outcome than yours. 

Your paying for expertise, guidance and with the right person you will potentially save thousands in other ways. 

I am personally staying away from STR‘s and MTR‘s because of its inconsistency.

My 2 cents would be that since it is your personal property that your CPA is right but im far from a tax professional!