Guess what? 

@Don Konipol, I guess my only real challenge to your thoughts are the definition of investments.  

I guess this also depends on how many rentals you have and what features you require in a PMS.

. :)  dont know the answer but if I was guess there is probably some lenders that do it with sufficient equity.

Architect is just demanding more money and I guess we have no other alternative  Demanding more money and refusing to do it are two different things.

Quote from @Scoop Schneider: 86k principle 7.5IR 360 months 800 credit score 1st position Put it on paperstac. my guess without dropping it into any calculator would be its worth $50-$70k assuming property value is above $100k

Quote from @Bruce Woodruff: Silly question I guess, but when you're putting a property on the market and uploading pictures....what do you go with first? 

My only guess is your CPA is thinking this is a rental, where you can depreciate certain items, and expense others against "this years" income.  

I guess i'm looking for software that separates tenants, from PM, from owner well. 

My guess is that LTV would be low and the rate would be higher.