(For context, it's a 2700 sf 4 bd 3 bath house in an upscale Northern California suburb.)Kitchen A: Traditional, features a 48 in fridge, 36 in cooktop, window sink (no view), pantry.Kitchen B: Designer, features a 60 in fridge, 48 in range, large kitchen window (no view), sink facing living/dining room; unfortunately no pantryKitchen C: A Little Bit of Both, features a 48 in fridge, 48 in range, sink facing living/dining room, pantry, unfortunately there's no window.Total countertop space is roughly the same (22 ft)  in all three layouts.

I have done bare land and mobiles before but this is my first traditional built LTR.

Rent by room / house hacking / co-living should deliver significantly higher cash flow than a traditional rental. 

For an SBA hotel loan, the SBA may guarantee say 30% of the loan and a traditional bank takes the next 50%...total LTV/LTC of 80%...will vary by business but it's higher/better than the previous replies (otherwise, you would just get a traditional commercial loan without the SBA involved). 

Traditional + Seller back financing How did you add value to the deal?

I have spoken to lenders about traditional financing and also DSCR loans.

Quote from @Matt Wan: Can I purchase a property using a traditional mortgage without being physically present for any part of the process?

Traditional financing How did you add value to the deal?

I understand the crime concerns, but why do you think traditional financing is risky?

.🔹 Creative Financing – Traditional loans don’t always work for distressed properties.