You have amazing loans that were, no doubt, acquired because they were primary residences.

I ran my own proforma and used an 8% vacancy rate and a 35% operating expense margin, which are the %s that most banks my clients work with use to underwrite their DSCR loans.

She'd probably have to get a new loan in that scenario however obviously in order to get you off the current loan unless the loan is assumable, but that's the downside of linking your finances on a 30 year contract without being married. 

@Randall Ayers  It doesn't matter where the lender is located, as long as they can offer that type of loan in Colorado.

For an owner-occupied property with 5% down, consider a conventional loan with a renovation option like Fannie Mae  or Freddie Mac.

Does having an LLC on a Land Trust impact loan eligibility?

Land  Development and vertical construction are hands down the toughest loans to get..

So that $800/month the tenants pay needs to pay both loans.

Lend $100k on a deal for typical terms, but with the option to convert your loan into an equity stake in the future?

Quote from @Saint Kyle: Here's an examplelooking for rehab funding on a triplex in youngstown, oharv $130k rehab $70kdo you know of a bank that's willing to loan on a product like this?