And I am thinking the 997 is to get you in the door then hammer the up sell which is how ALL gurus work nothing unique about the system and tactics. .

Chicago has some great meetup groups and unique groups of investors across the different Chicago markets. 

So just wondering if anyone is aware of any type of loan for this unique situation?

I have a unique investment opportunity I would love someone to help me think through.

The house had a unique layout, with the kitchen and bathroom added later.

Something might not be adding up here - Social Security Records and Tax Transcripts doesn't sound standard for DSCR Loans (there are always unique situations so its not a 100% flag yet)Here are a couple articles published on BP that may help:https://www.biggerpockets.com/blog/what-documents-do-you-nee...What Documents Do You Need for a DSCR Loan?

Many multifamily projects face challenges, including rising interest rates, operational inefficiencies, and decreased valuations, which drive the growing need for alternative financing solutions.This environment presents a unique opportunity for mezzanine debt and preferred equity investors.

You need a property with unique features worthy of the investment, I.E attached garage or partial finished ____ so you're not starting from scratch.

Of the HOAs that do allow STR, each has a unique fee structure.

This was a labor of love and there were so many unique and challenging aspects to the flip.