Issues keep coming up and the students asked MF Capital to help with the $50k extra the lender is requiring.

Strategies to improve cash flow include house hacking, value-add properties, short-term rentals, lowering purchase prices, reducing expenses, creative financing, market research, and self-education.

Of course the bank says "no problem", I start the process etc, then after credit pull and everything state "thing's have changed and you cannot own more than 3 investment properties" so now I'm at a standstill and they want to push me to commercial side, which in this case is requiring them to take my first and have to refi the balance and lose my rate and then tap a HELOC afterwards at commercial terms.

If it is to expensive you can always get a window unit for a around $100-$150.

Does anyone know if I am required to do this for them upfront? 

@LaTonya G WhiteI believe the requirements is 1 year.

Some include 1) there are many more owner occupied home buyers than investor RE purchasers 2) adding small units in small counts is the most expensive development 3) it detracts something from the primary even if it is just yard.  

Every job will requires some kind of sales:  you’re convincing others to use your product or service, that your idea/position is right etc.  

if not, how will you accomplish the many steps that a successful BRRRR requires remotely?

2) most lenders will take many months to process these requests  3) most lenders will require you qualify in order to approve the  assumption ...good luck