permanent financing when 70% of units are short term rentals

[David Sloop]

First post here. I own a 14 unit apartment building in NC. I have a tremendous amount of equity in it. It's worth around $1.5M. I owe $500k. I want to refinance with a Freddie Mac small balance loan at around $1M. My issue is this - 10 of the 14 units are leased to one person. That person is a friend of mine who has a short term rental business. He pays me top-of-market rents, handles his own repairs and maintenance, and puts the units on different platforms or rents them out to travel nurses, etc. This way I don't have to deal with the headache of running a STR business, get top rents, low expenses, units are treated well, and have stable occupancy. However, I don't think I can get an agency loan with this type of model. Am I wrong? My friend has individual leases on each unit with staggered lease dates. I've tried reaching a few mortgage brokers, but they must be busy dealing with much larger deals because I haven't heard back from any of them. Thoughts?

PS-I have a great local bank, but I am reaching my lending limit with them, and I'd rather get a nonrecourse loan on this with a 30 year am. It's a long term hold.