You can do a DSCR loan easily with anything 1-4 unit residential.

Fannie Mae has a requirement that if you want to use the rental income from the non occupied units, that you MUST have a current housing expense which means you cannot live rent free.

(Especially a 2-4 unit.)Do they have friends/relatives/co-workers that would rent rooms from them if they bought a property to show more income?

Start by leveraging what you already have—consider tapping into equity through a HELOC, house hacking again with an FHA loan, or increasing cash flow by converting a unit to a short-term rental.

I was also lucky to get someone who I could pay to show a house or open up a unit for a handyman. 

i do not however use it for heat mine is an AC only unit I believe not a heat pump unit.If you're whole unit is relying on one mini split for ac and heat that surprises me just given if you shut a bedroom door you'd not have heat from the split that I assume is in the living room. 

After going through appraisal and all the applications process, they rejected the loans, over how HOA consists of too many investors vs homeowners, I then picked another unit in different community, did the same process, then they rejected the another execuse over HOA, It costs me several months times of refi and I requested the refund of appraisal fee and didn't get this refund. 

Just get on Airbnb and see who are the property managers doing most of the units in the area and search for them on google. 

I manage over 60 units in a competitive market (Tampa). 

The light in the unit was awful, I had a blood-red fake leather couch, and I took horrible photos with my cell phone.