Then you could use a DSCR product to cash out refinance into a 30-year mortgage.3.

You'll have access to owner occupied loan products, therefore saving on your down payment, typically 3-5% compared to 20-25% for non owner occupied properties.

The letter with a family photo would be a great product.

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.

The only product I have seen is the MACU 10% for a non owner occupied.

In my experience that either means there is something prohibitive in the zoning, or there simply is not much demand for that sort of product if most people either go with an apartment in a large complex or rent a SFR.

If it is a high end housing product you may have to use a designer because they have access to some material/finish suppliers that are otherwise unavailable but that tends to only be for the highest end housing deliveries.

I won’t be giving my money to a guru that needs to sell a 40k product rather than working his own investments.

If you have a truly superior and/or unique product it will be easier to not have to compete with price. 

That would have been known up front if that was the original loan product being used.