If you use a DSCR rental loan it could be as low as 3-6 months of time seasoning required so it depends on what product you're using to accomplish the mission/goal.The time frame isnt a legal requirement, its a financing product specific requirement as a guideline to obtaining the money in which you seek.If you had other scenario related questions feel free to mention them below or via DM.

You will likely have common area lighting (interior and exterior), perhaps heating and cooling too. 

Let's compare two scenarios I priced out, Borrower Paid Broker CompensationPurchase Price: $500,000SFR 30 Year Fixed Credit 740 DSCR over 1.00 Meets DTI Requirement 1.

"Is it a common practice to report it as a loss even though I fixed it out of my own pocket?" 

What is the scenario looking like ? 

It's common for traveling medical professionals to extend their contracts.

I have a laundry room that is exactly the scenario that you describe except the water is already split across the 2 units.  

These institutions might be more flexible and willing to work with your specific scenario.  

Very common. 

Think of the worst case scenarios of what can go wrong and are you ready to handle that.See if you can buy time.