There's so many hoops you have to jump through and some of their filters, captchas, and etc. are crazy.Cozy is WAY easier to list an apartment on (with the exception of the media limitations).

I’ve often seen 5 units sell for the same or less than 4 units because there are less buyers and the financing is worse.

Just adding a little $0.02, outside of what he said, most banks are not going to be your friend when it comes to this type of construction, or any for that matter. 

I've had bad experiences with H&R Block but there are many firms out there that will file your return for $1,000. 

In answering the where to live question, things about the quality of life things that are important to you and work backwards from there.

I sent you a DM if you have any interest in the Midwest/ MidSouth areas to explore some options so you can have an idea of what it may look like to execute your plan!

Ask what their monthly fees are.

You will likely need to rehab for any strategy but Co-Living will be more bedroom additions which is less cost compared to kitchen and bath remodels that are more needed for furnished rentals. 

Double heck:  Ask them if you are the only client that they lost any paperwork for.

If you need any help on the financing, please feel free to DM me.