Instead of debates and personal opinion, look for proof https://www.ladbs.org/docs/default-source/forms/plan-check-2017/single-family-dwelling-duplex-plan-review-list.pdf under G (Interior Env) which defines the minimum requirement of a habitable room (aka bedroom or bathroom).

Yours appears to be a business-purpose (investment) loan.

Do you have any standards that you follow to help you in business?

Which is a tax when you do an active business in your IRA but it is essentially the same thing. 

I've personally sold a number of properties to VA buyers.

Have you calculated what your (monthly nut) is you need to survive business wise and personally?

Quote from @Amanda Dobbs: Is there a place to find Private Investors as in one person?

Hard money lenders focus more on the property’s value rather than your personal debt to income ratio (which traditional banks use) allowing for quicker approval and funding.

The founder appears to have been involved in businesses outside of real estate: ‘My dream is a locally made grooming products business’ | People | nashvillepost.comSo it does not appear there is a lot of track record there, but those are questions I would ask.

It wasn’t an easy path—in 2014, I even filed for bankruptcy while trying to launch a business.