No conventional lender (that I've found) will be able to fit all this criteria, because it's very unique.Occupancy: Currently rented on a short-term basis (airbnb), however, in the process of securing long term tenants.Gross rent (for 1 tiny house): $14,400 annually ($1200 monthly)NOI (for 1 tiny house): $9,600 annually ($800 monthly)Expected Gross rent (for 2 tiny houses): $26,400 annually ($2200 monthly)Expected NOI (for 2 tiny houses): $18,000 annually ($1,500 monthly)Value of portfolio financed at 8% cap rate: $225,000Loan terms sought: 70-80% LTV loan size ($157k - $180k), 20+ year termAnticipated or actual appraisal issues: This is where one of the main problems lies.

Look into different asset classes and see which fits your risk level and goals.

SFH seems to be the most practical fit since that's what we know best, but we're open to learn!

Hi Kristin - As othes have mentioned, a DSCR would be a great fit as they do not require DTIs/personal income verification.

Keep in mind your ultimate goal for investment and does buying at 30-40% fit in that goal. 

Current rent for a 3/2 is 2200$ .Is it wise to convert the officeroom into a bedroom by adding a closet and then market it as a 4 bed 2 bath for 2450$.What will you do if you were in my shoes. as long as it has windows and you can add a closet and it fits, then yes absolutely turn it into an additional bedroom. 

@Melissa Dinas We thought about house hacking but it really didn't fit our needs.

Talk to them and let them know that if they have that many concerns, perhaps it isn't a good fit and you're happy to give them all of their money back. 

Does that fit inline with the quickness for your scaling needs? 

At this point, I'd prefer to grow my investor base from people I know and develop relationships with (which is a slower route- but fits my investing goals).Hope that helps.