Not with a traditional multi-family, value add, secondary market play. 

I asked the realtor if the owner would be open to non traditional financing.

When people mean DSCR loans sometimes its confused with Gross DSCR 8-9% commercial use/business use rental product then theres local bank that uses REAL DSCR (NOI/debtservice) and yes that is what you what to use to hold your property ultimately.I do the rental grade DSCR based on gross income too and it has its use of course but if I was the RE investor id rather have the local commercial notes as you'll be 150-200 bps (1.5-2.00% rate) less than DSCR rental products (gross income / PITIA  or principal/interest/taxes/insurance/assessments type stuff).The ratio of residential use versus your offices will affect the appetite of which local lender/community banks will take this on as well because apartments are seen as traditionally more stable income flows so they'll want a predominant portion of the income to be come stable residential sources with the remaining proportion to be from office/retail.

@Robert Kough besides marketing as a traditional vacation rental you could also market to corporate travelers/travel nurses, etc. as well to supplement any downtime you may have.

If someone truly wants to do a long stay; we will do a traditional lease with full month’s deposit up front.

I am referring to traditionally built homes with basement/slab/crawl space foundation that were just built small 400 - 600 sq ft. 

So here’s my scenario, I currently own a condo I bought as a fixer upper, I got it all renovated and am looking to now leave this condo rent it out and buy a duplex, I have a W2 job, however I don’t think I make enough to qualify for the price of an average duplex in my area and the condo at once, I was reading that you can use 75% of the projected monthly rent income to qualify in the underwriting process with traditional financing, I was hoping I could do that for the condo and the other half of the duplex I won’t be living in, is this in anyway an accurate thing or a possibility?

They are outside of the Oakland/San Francisco areas that have traditionally not been favorable to landlords.  

@Jorge Siverio traditionally the NW part of Cape Coral will have higher comps from my understanding - especially the closer you get to the Ocean and the golf course. 

@Matt Huber it seems to me that would be the most traditional way to finance it.