I know of a lender that offers a 0% down, owner-occupant conventional loan that is a fantastic option for househacking.

Lol Have you done many lease options as a buyer over many year term? 

What are my options?

I've used an online designer before, you send her photos, measurements of the room and existing furniture, and your budget and she presents you with design options and the links to buy!

So B2C is out, but perhaps B2B might be an option (e.g providing a streamlined solution for all of the major mortgage servicing companies for collection of payments.

Most of the investors I talk with have a hard time finding deals that work on the market.The investors that I work with are finding that New Construction is a good option.  

On the RE side - I own/developed 2,000 residential units across the United States focusing on opportunistic residential acquisitions and development, including student housing conversions and luxury multifamily development.On the startup side - it is a third-party guarantor platform that expands your renter pool, increases rents and occupancy, and ultimately boosts your NOI while broadening affordable housing options for renters.

My recommendation would be to look into hospitals nearby and try to market to them to be an option for traveling nurses also. 

Another option is to put 2-3 inches of spray foam insulation then batt under that, it will assist with stopping some of the air transfer and seal it off as well.I would also check the windows in those rooms and whcih way do they face.

In Metro Detroit, and I'd think in most Midwest cities, investors really have two options:1) Buy Class B and either put more down to cashflow at closing or deal with 1-3 years of negative cashflow until rents increase.