I responded before to a very similar comment to yours"I love this perspective and totally believe that many people suffer form this.

I turned it into a 7 bed house.2 of the new rooms are super useful to an end buyer and would bring us to a total of 5 (which would comp very well).

The answer is yes, 2nd lien DSCR loans exist and more than one lender can do them, but you would probably have to up your credit score to be able to get up to a total of 75% ltv between 1st and second lienOtherwise, you would have to get lucky on a favorable appraisal.

Plus, letting a unit sit vacant for 6 months without approving needed maintenance is totally Irresponsible on your behalf.I’m glad we gave you a 30 day notice and would do so in a heart beat again to any other landlord with a similar mindset to yours.Much success 

Given your stated position of things, assumptions of skills and network, I'd say your best path is a totally different one. 

So you take the "total rent" from all units and divide by the ARV.

I made the layout more user friendly, added a whole wall of closets in the main bedroom, totally gutted kitchen and bath.

Grocapitus expects to have a total of six profitable exits this year, and expects to make investors about 38% IRR on those six exits.

After renovation rents would be 1900-2000$ so about 4,000$ total rent for both units.

Any pointers or resources outside this community are totally welcome !