I reached out but the thing is that they have a customer service type number and you can't get to an actual assessor.

Each contained historic use permits and have continually operated as 3- family buildings.  

@Ka Vangyes, you can use a HELOC for a down payment as long as your debt to income ratio permits getting a loan for the balance.however, i strongly, strongly recommend against it. 

The only place they WILL NOT JV is in my home city of Philly... go figure. something about taking too long for permits and inspections.

Yes, as other people have mentioned - DSCR Lenders have prorprietary guidelines and generally offer more customized and shorter seasoning periods.  

The costs of land  , engineering , site work , permits , labor , and building materials make this virtually impossible . then there are zoning issues and the rest of the politics that go along with this . 

Let’s talk about your permit.

Their customer service is second to none and they've got more education and networking opportunities than any other company. 

The zoning will define the permitted uses (this will tell you if you can have an RV/Boat storage there) and it will define the density (this will tell you how many tiny homes you can add).You'll want to make sure you don't conflict the existing duplex to a new use or mixed use where you might put the existing use out of compliance. 

So yes timing turned out to be critical, as now those permits are like pinky rings.