Financing for 2 homes on 1 parcel

[Brandon Allenczy]

Newbie here working on his first house hack!

Hello everyone. My wife and I are in Western NC and have found a fantastic property in Waynesville NC (about 30 mins outside of Asheville). 2 separate homes on one parcel of land. We would live in the main house, long term rent out the other house, as well as Airbnb a private room in the house we live in, as the house has a beautiful mountain overlook.

Our lender has asked nearly all of the banks he works with and all say that the loan has to be for one roof on one parcel; they won't lend for two homes on the same one. I know my first option is seller financing, which our agent is looking into. The second option is local banks.

Does anyone have any other ideas about how we can get this deal done? Possibly negotiating the deal contingent upon the seller subdividing the parcel? Let me know of any ideas!

Thanks guys