Just based on the info you provided I would take the loss and move on.

I interpretttev @Alan Asriants statement different than you but agree it is not clear   He could be indicating pools, basements, sunrooms do not provide a means for an extra tenant.  

HML is the same as getting a mortgage from a regular lender such as a bank or credit union, but the HML does not require as much documentation and they provide money really fast say, within a few days. 

(Even went beyond the second page of Google.)I have an investor who wants to partner on a deal by providing a loan for the down payment.

I can provide support of checking in on contractors, staging rental properties, walk potential leads to give you an idea of the property in person or what the area is like, meeting with agents, and drafting scope of work for projects. 

The struggle comes when you plan to sell, pay close attention to how the bank would treat the loan in the event you would sell.Even though its a bit more work, banks are typically open to these loans as it provides them with additional collateral in the event of default.  

I can’t think of an expensive subscription that doesn’t provide an app.

My conclusion is that take the provided ROI calculations from REI as purely estimates.

My focus is on providing either turnkey-style space for those interested in temporary, infrequent use or long-term leasing for business folks who require conference room space (or perhaps event space).

Providing a lease to the appraiser can also help in giving them an idea of the rents that you're expecting on the report while also confirming that there is demand in the market already for the value that you set the property at.If you're looking to refinance a property using a DSCR I would be happy to help!