Need to look into this more, just thought it was unique   

Sounds like a bit of a stretch but may be able to be done.

It's not a Miami or Austin or what Seattle once was by any stretch of imagination.

You seem like a very intelligent and hardworking person; I'm sure you can come up with a value proposition that is unique to you. 

Very informative and gives an interesting look at investors' experience in this market.But courtesy first, my husband and I are "out"-out-of-state investors, looking for deals in NE and East of Downtown.For the past 3 months, we've been researching and submitting offers on properties to match the COMPS and rejected.Our budget is about $100K, stretching it to 120K for the right property + rehab.The problem is that we had to offer low-balls for the numbers to work, and then get rejected.It seems it's a narrow fit to BRRR, hence the cashflow is "on edge" here.Doesn't appreciation suppose to be the icing on the top?

I prefer to utilize a broker lender because they generally have access to more unique loans, however I do know some BANKS or credit unions have inhouse portfolio programs available that don't exactly follow fed guidelines, which may also be good options. 

I have each unit in the building with a unique rent rate, so even if the tenant does not have the teller enter a note with the deposit (they often do), I still know who the rent payment is from based on the amount. 

We're looking to build something unique/contemporary with of course elements of the local area (mountain town).

You may also be better off looking in some less expensive markets in ME like Augusta or L/A for these types of deals since your downpayment will stretch a little farther.

Again, your situation is unique so understanding what lending is available to you once you reduce or elimnate your credit card debt would be a good step.The reality is you have the income and the ability to make this move and own multiple properties in 2 years...BUT...you need to make some sacrifices and hard choices for the next 2 years in order to get there.