They'll understand this investment and be able to give you alternatives that are much less risky.

I had a cage on the outside AC unit but someone got a truck into the backyard and was able to yank it out of the ground.

This is why I never fill a vacancy until the unit is vacant because often times tenants have last minute changes in their plans and an average tenant may not have the ability to make alternate accommodations.If you are using the PA lease provided to realtors, check out paragraph 21 about holdover tenants.

Alternatively there are also asset based lenders that do not require DSCR calculation or income verification, that can be less costly than hard money, and fully amortizing.

Alternatively, you could move straight into a longer term program that will essentially structure the deal as a "delayed purchase" and underwrite in place DSCR/occupancy.

Alternatively, you can pay $119 per unit that vacates.  

That said there are some workaround and alternative loan programs that can potentially work.  

I jump in a pickup truck- it starts, skid steer- it starts, chain saw- one pull it starts.  

An alternative would be a hard money financing.

There is a time factor that needs to be accounted for as well.In my opinion - you will need to be able to reasonable achieve 2-3x the rents vs. the alternative for room rentals to be worth the squeeze.I'd check to see what other folks are renting individual rooms out for to see if it makes sense diving into.