Does this type of lender exist?

[Will Parks]

Hi everyone, trying to put together my first str deal and have some unique circumstances. Do either one of these types exist out there?

1. 1. A lender that will qualify "rent-by-room" rental income. House hacking a single family with a year long lease in place, but this seems to be a hurdle for most lenders' guidelines.

1. 2. An investment lender that will qualify based on the strength of the rental asset AND allow the borrower to put 10% down.

My location: Raleigh, NC

Property location: Sapphire, NC

Is it advised to work with an out of state lender if they give you the terms you're looking for or best to keep it local?