I have looked into the small mortgage loan program of Fannie Mae, it looks like something that would work, if I am understanding it right. 

PROPOSED: Requiring each county to establish a program to license certain residential rental properties on or before September 30, 2021; authorizing a county to create certain exceptions to rental property license requirements; requiring each county to establish a limit on the number of rental property licenses that may be issued; prohibiting a county from issuing new rental property licenses after a certain limit has been reached, subject to an exception for certain property that has been in continuous operation as a rental property; etc.Until it's passed, it it passes, nothing to worry about in my humble opinion.

A lot of developers have degrees in civil engineering, construction management, architecture etc but several universites now offer programs for real estate and real estate development.

I have Adobe Illustrator & Indesign, Im a graphic designer now of 16 yrs... but using those programs for floor plans is very time consuming.  

@Erich Kuhstoss It depends on many factors, but I refi at 75-80% LTV with a 30 year fixed commercial program out of state. 

Until the number can’t go lower and the rate is within your expectation.Extra Tips 1: Ask for special programDifferent lenders have different promotional program.

Are those programs/apps they're using, or are they just doing that on spreadsheets themselves?

Purchased the property with no money down using the NACA program.

It appears as though qualifying for a 10% down second residence loan is a pretty common program throughout the mortgage community.

I haven’t been there personally but I’ve heard good things about it.I’ve been in the RIREIG group for 17 years and recommend it because it’s educational and doesn’t try to sell you stuff like books, tapes, classes, coaching programs, etc.