There are three main types of residential financing out there.Agency loans: Conventional, FHA, VA and USDANonQM loans: DSCR, 1099, Bank Statement, P&L, Asset utilization etc HML/PML: Bridge, fix/flipMost investors who are looking to do value add go with a HML/PML as the lender only cares if the deal makes sense (Is there ample equity in the deal if the investor cannot complete the project, will the value be supported after the project is complete).

You will have to be careful with some stories because times were very different over the last decade.

Major employers are flocking to these markets, bringing new residents and renters.

On old paper applications the written permission applicants signed giving was usually to pull credit and background checks I think but with the Zillow process that is all taken care of before the application is submitted and you get those reports.

If you only care about your ROI and you don't have a passion for acquireing land and structures, a passion for renovations you won't last in REI.

With the exception of a primary residence.

How long have you lived in your current residence, and is it within this (City, Region, State)?

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If they don't care, why should you? 

They won't care about the house as much if they think some big conglomerate owns your 2-family.