Any suggestions or thoughts would be much appreciated.  

Found one lender that will do it for 75% LTV immediately, but wondering if there are better options out there. 

However, older instances are to be considered more holistically, suggesting a more lenient approach to past financial or rental difficulties as time passes.Exemptions and Protections:Certain properties, particularly older houses that cannot easily be brought into compliance with current codes, are exempt from some source-of-income rules, acknowledging practical limitations in applying these rules universally.Landlord Liability:The ordinance provides protections for landlords in terms of reliance on third-party information to reject a tenant, mitigating potential legal risks associated with tenant selection processes.Fair Housing and Legal Compliance:All considerations of prospective tenants' applications must align with fair housing laws and other state and federal legislation, reinforcing the ordinance's compliance with broader legal standards for housing discrimination.

Suggestions would be greatly appreciated.  

Robinhood/IRS excluded by cost basis resulting ~$126K in gains.I'm wondering if I'm going to have to burn a couple $1K for a tax attorney, or if I can file the initial dispute myself.  

If you are a new REI and never been a landlord before I would suggest re-thinking the rooming house goal. 

With 25% down conventional (full income verification) even with 2+ units rates should be healthier..I wouldn’t suggest investing on the rate so much as the quality of property and analysis.

Any suggestions would be appreciated.

One keeps reaching out and I would appreciate suggestions on declining without issues.

My tenants pay for their own utilities, and I own homes in Memphis, TN, but I was wondering if this was a solid strategy for tax benefits and energy conservation or to see if anyone else does this for their rentals.