Many of these are non-recourse and low interest rate.There are some options for loans below 2M but the costs associated with them take some of the desirability away.Most loans under 2M are done with banks.There are many different configurations for rates, leverage, length of term, etc... 

So my question becomes: Should I set up a separate listing for the 1/1 configuration, and gear the listing towards 1-2 people? 

Likely I'll focus it on mid-term rentals of at least 30 days so I don't run into STR regulations.Obviously, I can make this work for me because of the unique configuration of the house; I'm not sure what owners who have multiple properties will be able to do. 

So far, our estimates have ranged from 5-10% of ARV, but it also depends on the price point and how many other houses in the area have similar configurations. 

Should not have used "condo", it is a house, with 2 identical units(apartments if you will) on each level.Baltimore has some weird configurations compared to here in Atlanta with all the row-houses, so kinda hard to describe, some of my family actually live in these type houses that are split up into individual dwellings.on separate floors.But to your point, there are no condo fees, it is a private residence, 2 story home(not condo).Thanks for info

What are the rents and unit configurations?

@Terry TanWe have several student rental properties, including one rooming house in a similar configuration to what you describe above (9rms - 4up, 5 down).In addition to emphasizing @Chad Urbshott's warning about financing options - most of the Big-5 will not even wander into universityville these days and no-one will be clamouring to underwrite a rooming house - I suggest you check the City zoning in the area and the occupancy by-laws.   

I would rather be on the safer side when configuring numbers. 

.- updates include:- replace a broken window- add in-unit washer dryer- remodel kitchen- update bathroom- estimated budget: $20,000Unit 2 (3 bd/ 1 ba): Currently Owner Occupied - Rent for 1700- updates include:- update bathroom- re paint to match the unit below - unifying paint colors across all units seems to be a good idea- new door and closet in the third bedroom, currently configured as more of an open office-estimated budget: $10,000

You could configure your house posts to have an 'occupied' field.