No permit required for long term rentals in un incorporated Cobb.

You can also get a lower rate on a 30 year fixed and even though its a 30 year loan there is No prepayment penalty so you can pay as much as you want but not obligated to pay more.A Heloc is a credit risk and can "never" be used as an asset or PITI reserve which is required when buying additional properties.

Lenders are very tight in this market so requirements are much higher.

In fact, you should pay for property maintenance, not expect the tenants to do it.

Also tell your insurer that she was required to have insurance.

There are fix and flip loans where the total loan amount needs to be $100K between rehab, property purchase price and buyer down payment (usually 10-20% for a fix and flip loan depending on the property and borrower credit) (so the property before rehab can be worth less than $100K).If you are looking for a loan for an investment property you won't be living in that doesn't require significant rehab / ready to rent / is already rented an option is a DSCR loan.Some DSCR lenders will go down to a $75K appraised value and a $55K loan amount. 

I think anyone can landlord, but some people may be better suited for two units in a middle class area renting to professionals than a working class 10 plex that needs lots of maintenance and tenant communications... 

Is there another way around the requirement?

These facilities require licensed beds.

I do condo cleaning and my brother can do any kind of maintenance work you have