Most require title be in an llc since they can not legally lend yo an owner occupant...an llc prevents the possibility of this. 

I figured I would ask a bit more about what they have to offer, and she replied:"I pulled your property on our pricing algorithm and it looks like it would make an annual revenue of $26,157 with an average daily rate of $154, and an occupancy rate of 47%.

In my market their occupancy rates seem to be way too low.

What type of occupancy rates do you see throughout the year on these Osceola/Polk residences?

In my email, I told her and her lawyer that we have not settled yet, it's still her building and she need to get the oil delivered.It was a commercial property and we later found out her occupancy numbers were also fudged.

Researching the local vacation rental market, including occupancy rates and average rental rates, can help you determine whether there is a strong demand for short term rentals in the area.

When the lease was signed, it was 2 occupants.

If the 32 property is fully stabilized, no value add, and cash-flowing with high occupancy, then you can get 75-80% long-term debt. 

(a) The landlord intends to demolish the dwelling unit or convert the dwelling unit to a use other than residential use within a reasonable time; (b) The landlord intends to undertake repairs or renovations to the dwelling unit within a reasonable time and: (A) The premises is unsafe or unfit for occupancy; or (B) The dwelling unit will be unsafe or unfit for occupancy during the repairs or renovations; (c) The landlord intends for the landlord or a member of the landlord’s immediate family to occupy the dwelling unit as a primary residence and the landlord does not own a comparable unit in the same building that is available for occupancy at the same time that the tenant receives notice to terminate the tenancy; or (d) The landlord has: Enrolled Senate Bill 608 (SB 608-INTRO) Page 2(A) Accepted an offer to purchase the dwelling unit separately from any other dwelling unit from a person who intends in good faith to occupy the dwelling unit as the person’s primary residence; and (B) Provided the notice and written evidence of the offer to purchase the dwelling unit, to the tenant not more than 120 days after accepting the offer to purchase. (6)(a) A landlord that terminates a tenancy under subsection (5) of this section shall: (A) Specify in the termination notice the reason for the termination and supporting facts; (B) State that the rental agreement will terminate upon a designated date not less than 90 days after delivery of the notice; and (C) At the time the landlord delivers the tenant the notice to terminate the tenancy, pay the tenant an amount equal to one month’s periodic rent.

As others have commented, it makes sense to compare this As Is number against sales comps of similar location, type, and occupancy level to check for reasonableness.