-One septic or city sewerMy guess is they are on 1 parcel which is always going to make this a more difficult property to sell as it is not FNMA conforming 

It's not buildable for conforming home, so I was thinking about developing the lot into a space for a tiny house, and then renting on AirBnB.The lot is not improved, but in the city with all utilities at street - in my mind, this would be like developing a one-space mobile park...bring in utilities, a pad and some landscaping.

Gift funds are not allowed on conforming loans on investment properties. 

I also have voice mails into multiple non conforming lenders.  

In addition, most standardized federal loans are sold one or more times between banks, so knowingly providing loans that don't abide by the underwriting standards set forth for those loans and then reselling them would be committing fraud from the perspective of the purchasing entity who is expecting the loan to conform to certain standards.The rest of the loans are underwritten by the lender's own standards.

Days to close can be a little longer than conforming loans, depending on the USDA region, though some new underwriting procedures being rolled out may help with that. 

If you're going for conforming 30-year note, then no - the rents have to be seasoned before they enter the DTI.2.

@Taz PatelDid the notice conform to the statute requirements on wording?

The trust account may have to conform to special rules according to your state and local laws and regulations. 

@Jessica Gilbert  If the bank is lending with a conforming loan, then they will almost definately need to be the one to order the appraisal.