Some tenants are renting 2 or 3 units, most just single units.

Too utilize the maximum value I would make this in to a single 4-5 bedroom house.

It has been more difficult than I thought to find a lender because in the area I live in I really don't need a loan larger than what I could spend on a single family home.

Most just look at the pictures, the rental amount, and click the button looking for more info.

@Amy Ranae  The only we have been able to make this work is to buy a lot with a single family house on it and build around that house. 

The subject must be a single family dwelling.

Now it's kind of "my first place" apartments with students just out of dorms or young people with first jobs except for one unit with an old single lady.I have two applications for the vacant unitA grandma and her husband of many years that works at the grocery store next door for 15 years and also with hers and partner's social security make about 3x rent.

I have a non owner occupied single family home in Washington.

They may reset the clock by making a single payment. 

I personally doubt it -- my guess is the best it might do is increase showings -- it's not a Single Family that a primary resident is buying.