What stops the company from turning down 3 or more deals.

My contractor initially laughed at me, then found it was helpful when he used it.

if it's helpful to know, the place is a condo.David

You get a place to live in yourself, tenants/roommates pay your mortgage and help you build equity, and you can purchase it as a primary residence and potentially only have to put 3%-3.5% down since you would be a first time home buyer. 

They texted and called multi times daily asking for more money. 

The local store may have a limited selection but you can find more sizes and options on their website.The tenant may very well trash them, but they are inexpensive and can easily be replaced with the deposit.

I am not a licensed GC but I have experience building spec homes that I could show a bank Fine paying a higher interest rate on the construction period of the loan, but would like to be more in line with traditional mortgages rates on the perm portion (although fine paying slightly higher if I avoid closing costs for a second loan)Do y’all have any recommendations on specific types of loans for this or specific banks I should talk to?

I'd question anyone who charges much more than that for a typical home - I am in a suburb of NYC.

Most never own more than 1.

Hope this helps!