One challenge to manage is being able to clarify for lenders on those rentals (if you have them) which amount of the premium should be paid for each rental so that they do not include the entire premium into their escrow analysis, inflating your monthly payment on that rental. 

She must've seen the rent roll.And can I get the number of that private lender? 

I'll check around with some lenders to see what they share about their comfort with the timeline - whether HELOC or not.  

Specifically:Will the lender only consider the rental income from the two legally zoned units, even though all three rental incomes are declared on your tax return?

This is a large community and someone might give you some insights on the lender or the loan officer.  

Co-living provides built-in diversification, lowering your financial risk compared to single-lease rentals.5.

Platforms like Zillow or Redfin can give you insight into comparable properties, and PropStream is great for deeper analysis like liens or ownership history. 

We’ve tried other platforms on the market, but the message delivery rates were very low compared to the 85%+ I get here.

If I can use a lender, how would that work? 

If it's a long-term play, the potential savings on PMI with a conventional loan could be significant.Have you compared rates for both options?