Sounds like you've had poor expectations on how the process works, poor communication from your lender, and maybe there is more to your file that you are letting us know. 

Fee simple lots provide greater flexibility than multifamily projects under one parcel.4) Kimberly Byrum - Lease-Up Rates by Asset Type:Garden Style Multifamily: 18 units per monthBTR Cottage Style: 12 units per monthBTR SFH Detached: 8 units per month5) John Jones (BBL Building) - Efficient and thoughtful design remains the best way to reduce costs.6) Tony Benge Margins are comparable between garden style multi-family & BTR, but BTR is in much higher demand.It was a great turnout, excited to see the BTR sector’s growth between now and next year’s event!

Create a simple spreadsheet or written list to compare the features of each and identify the ones that align with your requirements.

I understand calling it a loophole as it is a simple thing to say.

Is it as simple as the guest or someone has altered the total nights stay?

- **Stay Engaged**: Keep the lines of communication open and express your continued interest in the property, even if he needs time to think it over.By approaching the seller with empathy, clear benefits, and a willingness to listen, you can effectively plant the idea of seller financing and potentially create a mutually beneficial arrangement.

Quote from @Stevens Jaquez: I recommend you stop communicating with her.

I realize this is a complex concern so just looking for general advice here based on the experiences of others.I would manage bookings and client communications aside from maybe an on call service for at night.

Simple things like this are why you hire a realtor.

You could also qualify if you spend more time on the property than anyone else involved, regardless of hitting 100 hours.Ex. managing contractors, handling bookings, setting up the property, or dealing with guest communications, you might meet the material participation requirement without needing to track 100 hours.The key is to document everything.