my last shop looking for a lender

[Winston Vilato]

Hi guys, I have read a some of your books and watched some of your videos, but right now, I am feel so bad. let me present myself, I just got in the US 9 years ago, I bought my first house in 2016, single home 3 bed and 1 bad, 1 1/2 stories, 1 1/2 acres. I have been renting out one bedroom and sharing the bathroom for 4 years,, now I have improved my second floor with a new bathroom and renting out my second floor as Airbnb, and for now it is really great. For now everything is great, I just find another house in one of the best neighborhood in Richmond VA, Mechanicsville, a house 3 bed and 2 bath, easily you can rent it out for 1800, plus there are a guest house very separated from main house, fully equipped, 3 bed, 1 bath, 2 living room and kitchen , separated entrance for another street, and parking space for more than 2 cars. The price it seems me very good, but I can get any lender to make a deal on this, I can put a down payment of 15.000 plus leave my house as guaranteed, but nothing. Really all of this it took me down. I am trying to get in to investing in real estate, but with out a lot of money is very difficult, and I understand why most of the person quick.

[Winston Vilato]

I used Dealcheck, but must important common sense, and this app told me  I can make a cash flow of 348 $/month, using the main house as long term rental and the guest house as short term rental, (I set the price way to low, even my second floor i am doing 1.2 - 1.4 more than the income I set for the guest house) even if you dont want to deal with short term rental you can rent out as long term rental so it is gonna 1800 X 2 / month. 
The guest house is 1200 sf, 2-3 bed, 1 bath, kitchen, 2 living room, dinneroom, entrance separated from main house ( diferent street), my guest house 9 second floor) is just a very small living room , 1 bed, 1 bath, independent entrance, no kitchen, for 1200 $/month