From maintaining Winter and Summer temperatures to deposit alternatives, etc.

., you may consider conditionally approving with a higher security deposit (or alternatively, use an insurance policy - "fee in lieu of deposit"), first and last month's rent.

So if you wanted to invest in alternative assets using your existing Roth IRA you'd have to do so in a SDIRA.   

@Kevin Kim I’ve had great success with tenants of alternative lifestyles from my own.

They have been up-front and honest with me about a 1031 issue i had and even offered me alternatives / an out when timing got sideways. 

Alternative income options are available but will reduce the maximum loan to value. 

Alternatively there are several 'plug & play' national brokerage that allow you to work with a variety of up to 100+ banks/lenders but the challenge is again sort of being on your own when it comes to processing, disclosing and closing.

In the United States in 2024, mortgage rates are generally tied to the overall bond market, as most residential mortgages, including conventional qualifying mortgages for owner-occupants, residential investment mortgages (DSCR loans), and even other alternative residential mortgages (non-QM), are securitized.

An alternative can be Non-QM or non-conventional financing.

Alternatively, you could also just apply a % annual appreciation based on historic data, but those typically won't give you the most accurate market data since they're averaged out across all/most property classes (e.g. a single family home may appreciate differently in your area than a mobile or multifam property, etc.)