Even on conventional renovation loans, most lenders and borrowers still use Certified 203k Contractors b/c the guidelines/timelines/rules/processes are almost identical. 

Case 1 sounds like a DSCR loan.

Hello,I was wondering can you purchase a mutifamily home (duplex, triplex or quad) as an owner occupant residence with a USDA home loan?

Minimum loan amounts vary, but the product we work with most often starts at $500,000.

Hard Money is a loan that is 100% based on the value of the collateral.

we are doing similar but hotel / extended stay valuations are almost double apartments.

@Dalton Summers $50k min loan amount

Having someone else be a coborrower on the loan with you to bring the needed income could be an option, but it sounds like your credit will be an issue. 

Great question - 20% down is the typical down payment for investment properties, regardless if it's a single family, duplex, tri or quad.We have a 15% down option for the same type of loan.

My parents live out of state and the purpose was to give them a place to stay for an extended period of time and we will Airbnb it when they aren’t here to pay for the property.