IF, IF, IF splitting the lot and building another house would even be allowed in a historical district.

@Michael Greer unless it’s a small studio or 1-bedroom condo that doesn’t pass local codes for a child’s room, my understanding is that it would be a fair housing violation to not allow the child or charge additional rent or deposit.

Here are some common financing options:Traditional Mortgage: Obtain financing from banks with a down payment, paying off over time with interest.Hard Money Loans: Short-term loans with higher interest rates, often from private investors, suitable for quick acquisitions or credit-challenged investors.Private Money Lenders: Individuals or groups offering direct loans, with terms negotiated privately.Seller Financing: Buyers make payments directly to sellers over an agreed period, with terms negotiated between parties.Home Equity Line of Credit (HELOC): Borrow against existing property equity with a revolving credit line, typically offering flexibility.Real Estate Crowdfunding: Pool funds with other investors via online platforms for various real estate projects, offering diverse investment opportunities.1031 Exchange: Defer capital gains taxes by reinvesting sale proceeds into similar properties within a specific timeframe, useful for tax optimization.REITs (Real Estate Investment Trusts): Invest indirectly in real estate through publicly traded companies, offering liquidity and diversification.Joint Ventures/Partnerships: Collaborate with other investors to share resources and risks, leveraging each other's strengths for larger projects.Subject To Financing: Buy a property subject to the existing mortgage that's in place on the property (doesn't get paid off when the property sells).Assumable Mortgage: Buy a property and assume the mortgage that the seller already has in place.Lease Option: Rent a property with the option to buy it prior to a later date.Debt Service Credit Ratio (DSCR): A loan approved based on the income potential of the propertyThese options cater to different investor needs, preferences, and financial situations, providing flexibility in real estate investment strategies.Thanks,

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

I don't allow wholesaling at my brokerage.

We use an online payment system and we only allow one tenant to be responsible for signing up to make the monthly payments.

If this is an investment property the max a lender will allow is 80% LTV on a cash out (if DSCR is over 1.00) and 75% CLTV on a DSCR second (if DSCR is over 1.00).

It's difficult to find info pertaining to individual investors with money to lend through brokers.

Any recommendations or insights on how to find the right fit would be incredibly helpful.Tenant Screening: Lastly, I'm curious about effective strategies for finding high-quality tenants, especially when renting out rooms individually.

My recommendation would be to assess the entire neighborhood where the properties you're interested in are located, rather than focusing solely on individual homes.