Additionally, the transition process itself could create uncertainty in the market, making long-term planning more difficult.Opportunities for Private Lenders & Alternative FinancingWhile some investors may face challenges, privatization could create opportunities for private lenders and non-bank financing options.

I put 20% (54,000) and then an additional 7% of the loan amount ($15,000) since the bank only offered 93% loan of the purchase price. 

I do have additional coverage for the sewer since I knew it may have issues before I bought the property. 

Additionally you can always write in what was done to correct it and explain that since then you no longer had issues. 

I'm not saying this to deter you, but there are some additional regulations I think everyone needs to know before they jump in. 

My goal is to grow this business by expanding my investor network and seeking properties that will allow for additional scalability.

It is common for investors to bring in additional signers, often referred to as credit enhancement.

You will likely need to rehab for any strategy but Co-Living will be more bedroom additions which is less cost compared to kitchen and bath remodels that are more needed for furnished rentals. 

Most of the time, an ADU will cost 100k just for that part and then you have to actually build the cosmetic part for an additional 40-50k. 

Additionally, I am also open to the Tobyhanna and Strausberg area as well.