Your best bet for that size will be local banks and credit unions, good luck.

If you think this is your comp and you did the work without permitting it, the value from the bank will not be the same as the other comp sold because they will ask for permits/city confirmation this was truly added to give the value.

If you can't get a bank to lend you money on a property, that might be a sign. 

So far I keep hearing about Titan and Solera banks but they only offer checking with no interest. 

Many banks have been sitting on 2nd liens for awhile now due to compliance, regulations, and other third party risks.

If you want to own a rental, buy one thats a 10 cap or higher with 20% down through commercial financing with a big bank.

Too big to fail.

Quote from @Quentin Stephenson: Quote from @Jamie Banks: I also list on Zillow, Airbnb, VRBO, and Hello Landing.

So short of buying it when you know something is failing it’s going to cost more than not having one. 

They also failed to make me aware of this form.