When I am reaching out to few lenders, either I am hearing that long term rental loan isn't there for > 8-10 units OR can't do the loan because the loan amount is lesser.

I haven't set specific targets beyond this initial goal, but I may aim to increase my passive income to $5,000 or $10,000 per month in the future.Current PropertiesI currently have two properties:The Loft:This property is rented out long-term and generates around $300 per month in passive income after HOA and management fees.The loft has approximately $100,000 in equity.The House:This is a brand-new build (2024) that I'm currently occupying through house hacking.I invested $70,000 in the property, which means I have $70,000 in equity.My plan is to convert this property into an Airbnb or long-term rental within the next two years.Short-term rental comps suggest I can earn around $3,500-$4,000 per month, while long-term rental comps indicate I can earn around $3,000-$3,300 per month.Seeking AdviceGiven my upcoming financial situation, I'm seeking advice on the best course of action.

These homeowners also are attempting to cash flow their home over pretty rough mortgage terms. 

Efficient negotiations secured the property for $93,000 on favorable terms.

Yes, the bid you got is definitely high, at least compared to what I typically pay in my area. 

I can’t stay in or work or furnish services on my long term rentals that are in my SDIRA.

The rates/fees are not at all absurd and are right in line with 100% financing being a bit riskier than the typical 10-20% down on purchase.

Only think I can think is that it’s tougher to find fully furnished long term rentals through the normal long term rental channels.

We use a company that sets up all of our long and short term holds in LLC's and our parent company is filed in Wyoming due to all information being protected and not publicly available from the LLC. 

This would consolidate your debt into a single mortgage with better terms.