Co-living is seen as a non-financial tool to encourage deeply affordable units, serving as transitional housing along the housing continuum.A study by Gensler and The Pew Charitable Trusts highlighted that adaptive-reuse co-living spaces could offer more affordable housing solutions compared to traditional studio apartments.

It means the company is Non-Admitted in Ohio.

Hey Alex, There are foreign national DSCR loan programs available for your scenario: Below are the list of requirements I have found most lenders have : 1.

Quote from @Dan Farsht: I am looking to connect with other hard money lenders in the upper Midwest (our business is currently concentrated in the Greater Milwaukee Area). 

A public insurance adjuster works for YOU!

Does any lenders offer these DSCR loan terms?

@Asher M.Possible, yes but like your lender pointed out it's going to be difficult to pass the self-sufficiency test (SST) for a legal 3-4 unit property.

Is there an ombudsman or some central HOA agency that can help non-Board owners?

Are there any lenders here that can finance a conventional loan without a full 2 years of work history?

Other local lenders I have used recently do not have very favorable terms.