In general smaller local banks and credit unions are more likely to do manual underwriting than big national banks.

Commercial lenders from smaller banks will be willing to think outside the box if the numbers work.  

When borrowers get behind the bank sends a rep to check the property.  

Going to be very difficult to make $5k/mo with $24k in the bank.

They enjoy doing that type of stuff.If someone is an investor then look at an investment company that has a license with low fees.   

What would you say would be the target credit score to obtain conventional loans through mostly smaller banks?

I have even checked smaller community banks.

Here is a link to the NCGS chapter on D-T Any NC real estate attorney can help with setting up a private party (non-bank) loan.

No bank will finance it, so you will need to partner with a private money person to fund this.

I had some serious enquiries, so I accepted one and then built the cabin the day before they arrived :)Since then I've been hosting on Airbnb and performing music and really enjoy the vacation rental thing SO much more than traditional land-lording.