Seeking financing on pre-manufactured Triplex in Nova Scotia

[Greg Ripley]

Hey BiggerPockets, I am seeking financing on a brand new, turn-key, pre-manufactured triplex that I will owner-occupy in Nova Scotia, Canada. 

This mini-home-style Triplex is on a piece of land in town that is zoned correctly and has all utility hookups. I am under contract to buy it turn-key with an occupancy permit, that the builder has already been granted. It sits on an engineered screw pile foundation. 

The issue is that the Builder does not have a CSA stamp and therefore cannot get a 3rd party New Home Warranty, as required by a lot of lenders I have talked to. The builder has agreed to offer the same Warranty, in writing, through their company. I have 15% down that went directly to the builder. All in, with a 12'x20' shed, mini-splits installed, and landscaping cost is just shy of 290K. Anticipated rents: $1000-$1200 a unit, a month. I have had no issue with qualifying for the loan but lenders have been getting hung up on the fact that the Warranty cannot be completed through a third-party company. I am told by my lawyer, that this is not a regulation in Nova Scotia. 

Any advice or leads is greatly appreciated!