@Jared LyonThe devil is always in the details.

Assuming it does happen, despite all the obstacles that I mentioned earlier, could you please clarify a few details for me?

Are their listings detailed with good-quality photos?

The more transparent and detailed the documents, the fewer surprises on both sides.

Happy to go through some details on that though if that would be helpful!

It's a detailed perspective on how private lending works, with practical strategies for building wealth through this niche.

The real way to answer this question is to do a detailed break down of the numbers. 

Quote from @Bob Asad: Thanks for the detailed response.

If you can find a precedent, that could bolster your argument significantly.Lean on the Physical Details: Four mailboxes, four sewer lines-those are big indicators that the property has been treated as a four-unit for some time.

Here's a post where I go into detail about DSCR loans as far as the importance of cash flow, credit scores and down payments: https://www.biggerpockets.com/forums/49/topics/1080147-refinance-rate-105Lender terms and fees vary widely.