I can lend up to 100% of the purchase price and 100% of the rehab costs for experienced investors on 1-4 unit properties.

I don't believe that is the case, especially if you have a quality unit, priced competitively, and clear advertising.

I own a duplex in Clermont, FL just outside of Orlando and initially wanted to split water meters between the two units, but the cost and amount of work were higher than expected.

Seems to be decent on Airbnb with the guest house/ADU units with all the hospitals nearby.

Gutted and renovated the entire unit What was the outcome?

In the message, I could say "Did not go through application because unit is already filled."

It may be helpful:I can give you some general info on insuring the property:Here are some things to look for from an Insurance prospective:1.Any in-ground tanks (active or inactive)2.Any Knob & Tube or Aluminum Wiring3.If built before 1978, does the building have Lead Safe certifications4.Any wood stoves or secondary heating units.

Are we stopping landlords from acquiring 1-4 unit properties going forward to keep the supply available for owners occupied owners?

The units were dirty, messy, etc. 

Build a solid foundation before taking a step up - each and every step of the way.There’s a way to scale recklessly and there is a way to scale safely.When OPM is involved safe is way better than reckless.Despite a life long career in RE, I scaled as followsBought a few duplexes for my own accountBought a fourplex for my own accountBought 12 units as a JV with some friendsSyndicated 43 unitsSyndicated 30 unitsBought another 12 units as a JVSyndicated 281 unitsThis was over a 3 or 4 year period.and so forth - now I am GP in close to 1000 units with $125M AUM.Even with all that, my sweet spot is 30 to 50 unit properties - they work best for my partners and I and more importantly our investors.