The property has 1 original owner whom is the current owner 2 levels the upstaris has a loft with 3 bedrooms.

So a limited building permits and houses that are focused on owner occupants (read as higher priced) are creating a higher demand for affordably priced, lower end SFR that (ultimately) looks to put the 'entry level' rental housing product into a position to experience appreciation over the next decade.

I've been doing some smaller level real estate investing but my big obstacle has been how to get timely financing.  

February, 2015 housing starts are down 17% from January to 593,000 units annualized, which is essentially the same as February, 2014 which had 589,000 housing starts annualized.Unadjusted non-annual starts:February 2015 = 40,700February 2014 = 40,600February 2009 = 25,000February 2005 = 124,000February 2000 = 88,000The current level of housing starts is at 1980 levels, and about 50% of the starts from 1980 to 2006.The housing starts are 1/3 of the totals in 2005, ten years later, Where's the recovery?

All of my loans are conventional on my properties and they scrutinize everything from my cash reserves, my income level and needless to say debt to income ratios. 

That's federal poverty level income for a family of 4.  

Great to hear you are looking to bring it to the next level.

@Rob CeeI very much agree with you too that at low levels most CF portals allow one to invest, due diligence does slide off. 

It really depends on what exactly you are trying to do and the banks level of comfort/familiarity with what it is you want to do.

So it comes down to comfort level.