If this is a single family house and you intend on leasing the home as a single family house and there are no active violations on the property, I don't foresee any issues with this being a 2 bedroom home as opposed to its previous layout.

Probably the biggest key is the layout and how well it lends itself to being divided.  

Originally posted by @Jason DiClemente:@Jay Hinrichs I've done HML deals before, but never of that size, so I cant comment on large deals like that. sorry meant it for the OP  not you specifically. just trying to lay out some reality.bigger money deals are not like 200k HML flips   were lenders will take a stab at newbies or a company like DHM will come through at some point

They took something that's extremely easy to design an intuitive interface for and somehow screwed it up. 

If I am not getting a permit (for whatever reason) and it works with the layout, I will always set the posts in the ground at least 20%.

If you are doing a bunk, is there enough ceiling height to not hit your head (or obstruction like a fan), Twin or Twin XL, ...etc-------We ended up deciding that in order for our guests to have the best experience (After using the place) it should be listed for 6x individuals (pullout in LR messed with the layout too much) even though our property manager recommended 8 or 10.

Good on you for using some common sense and intuition.“… do private lenders typically have a website or any way to verify who they are?

Anything helps, per this example we could say:A single family home that is not builder grade but not luxury so in the middle being 1,600 sqft, 3 bed, 2 bath.Also a:duplex that is 2000sqft vertical build that is identicle layout on floor 1 and 2. each unit would be 1000 sqft and 2 bed, 1 bath.To note, the loan on property 3 is a DSCR loan because there is not 2 years of stable income from me because I am still in college.If there is anymore info that could be needed please let me know. 

Go straight into a 30 year loan and lay out 20% of the 280k. 

I am going to do a similar one on the mobile home park I bought in October to lay out all the numbers for the last 12 months.