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

Always hard money lenders at the meetups and normally some wholesalers as well.Just remember your best deals are probably not from wholesalers, but the deals you generate yourself. 

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?

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

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. 

Credit score- the higher the best. 760-780+ generally gets best pricing for investment property loans with most lenders.

If you don't have the extra cash, can you get creative with a private lender or partner stacked on bank debt? 

Hey there BiggerPockets members, 
I'm an upcoming agent practicing running numbers on different duplexes and investment properties I'm seeing on the market, here to share another report I'm working on for feedback. T...

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