After the Wellencamp and Dawn InvestmentCalifornia cases in 1978 and 1982, respectively, effectively prohibited lenders in those states (and had great influence in other states like Arizona) from arbitrarily enforcing these clauses, two legal developments came about.

Kristine Marie Poe   what you describe is a prohibited transaction in Oregon..

These two points alone would be worth it if it passes:"Prohibit the use of the Exchange Stabilization Fund to bail out a financial firm or its creditors.  Repeal the FDIC’s authority to (1) bail out creditors of “solvent” banks, and (2) bail out creditors other than insured depositors of “insolvent” banks that are in receivership."

@Stanley Dean you cannot loan money to yourself from an IRA, it is a prohibited transaction. 

@Jim BiggsThat would be prohibited because it is your LLC and you are disqualified party with respect to the solo 401k rules. 

This is assuming your lease has verbiage prohibiting adding occupants without approval. 2.

Add the CFPB into the mix and you've got a healthy mix of regulation.IF, and that's a big IF, you find a lender that will do something at that LTV that's not a Fannie/Freddie loan, you'll find the rate to be prohibitive compared to anything offered by a GSE backed loan product. 

I appreciate your help :) Having said that, it would be prohibitively expensive to pursue legal action with no guarantee that you would prevail.

If so, were can I actually find such people, ESPECIALLY IF LOOKING FOR A MENTOR IS PROHIBITED ON THIS FORUM?

Converting to apartments would be cost prohibitive and apartments in this area wouldn't attract the tenants I'd want to work with.So I'm looking for new ideas ...any ideas are welcome!