Just remember, Fannie is a government agency basically.

Also know as an acceleration clause.A little history lesson…In the old days when banks loaned money and took back a 30-year mortgage that's exactly what you got.It didn’t matter if you sold the property to someone else that loan stuck with the property for 30 years and could be taken over and paid by anyone.Well, in the early 70's banks, lenders, state governments and other interested parties were so upset that they were getting stuck with low interest rates, missing out on taxes, assumption and other sale fees, that lenders started adding due on sale acceleration clause to their contracts.As you can imagine, a lot of borrowers thought this was unfair and brought suit against banks and lenders.Unfortunately around 1979 the United States Supreme Court found in favor of the banks, and today the due on sale -acceleration clause (usually paragraph 17) is found in most if not all conventional mortgages.For years now buyers and sellers have been trying various ways to get around the problem.

The Government get their taxes when you sell the house because the basis or value has been depreciated down even though the house has increased in value.When analyzing property most investors do not include depreciation. 

Hey Jeff,Found this, not if sure it helpshttp://seminolecountyfl.gov/gm/devrev/concurrency....In 1985, the Florida Legislature adopted the "Growth Management Act, " to provide a framework for local governments to use as they developed their long-range comprehensive plans.

@Tim Chasteen Things I would look for are overall market trends:+Positive population growth +Strong economics(jobs) +Employment diversity +Government support for local companies through tax incentives + Strong government representative +Crime rates Things like that to get the big picture elements.

My only comment; I think that the commercial zoning is only a designation that your local government has given to that property.  

Only ONE source just doesn't cut it... to a man with a hammer, everything looks like a nail.Here's the ways that I have NEVER used:Bandit SignsYellow LetterBillboardTVRadioYou TubeCraigslistPostletswholesalerbird dogobituariesdivorce noticeslandlord tenant court casespartition suitadverse possessioneminent domainany firearmsmarriageinheritance (I bought property that people inherited, but I never inherited any property.)game showlottery winninggambling proceedsbriberylyingcheatingstealingsquattingturn key providerbought from relativegiven by relativewedding presentI have bought property from the following:US Marshall ServiceVAHUDState Highway DepartmentHoarder's estateProbateSheriff SaleGovernment Tax SalesThird Party Tax SalesWord of MouthLetter solicitationCo-workersNeighborsVerbal auctionsSealed Bid auctionsPublic SalesBank REOsRelocation CompanyArsonist in prison for burning down his own houseMurderer in prison for killing his wifePerson who needed bail moneyMLSPerson owner occupying a vacant lotPerson living in a garagePerson with multi-million dollar IRS lien (happened twice different people)title problemsflood zone propertyseptic problems & failed perk testsNewspaper wanted adSeller who wanted to do something that zoning did not permitLandlocked propertyCode violationsProperty encroached about 50% by neighbor.Left over lots in subdivisionUnfinished subdivisionLife EstateAcquired lead from attorney, engineer, government official

ON the west coast this would have been extinguished with my trustee's sale.. but no not in WAYNE county the land of ultra coordinated and sophisticated real estate transactions and government...

Private lending isn't going to eliminate GSEs and irrational debt pricing for 30-year money that the government subsidizes.

I called and asked a bank that if I could rent out my single house, and move into a multi-family and trying to get a government 3.5% or 5% down loan like FHA etc....