@Samuel Coronado I’ve worked with a few lending options that have no seasoning requirements and allow you to borrow based on the appraisal or after repair value irrespective of how long you’ve owned the property for.

We manage 300+ units, I've flipped over 75+ houses in the past 3 years, and I currently own 28 long term rentals.   

I currently operate a few STRs so have a good understanding of that aspect although they're all located in touristy locations.

How long have you factored open occupancies? 

I heard North Tonawanda is good place.

Relay bank is good.

Some good disinflationary news: shelter growth is on the way down, which we do need frankly, and I say this as a landlord.

Any recommendations of a good realtor who understands the needs of an out-of-state investor who works the Lorain area of OH would greatly be appreciated.

A big reason is the OO requirement to rent the JADU as its own unit,good luck

Seems the simple answer, is that yes, if you have a positive qualifying income you are good.