This is an important distinction.

The owner originally had purchased two side by side properties that were deeded separate and had their own distinct addresses.

@Richard Chang, Question #1 The world of fractional ownership is the wild west with little regulatory consistency in product or platform.  

The guy is a little expensive but VERY good and because I use him for a number of different products I do get a rather significant discount off his normal hourly rate.Erik

Anyone know of any lenders who have non-warrantable loan products being offered?

Loan products can't be structured if DTI is too high, which might be the case here.

Sounded like a interesting app and I'm all for increasing productivity, I've heard of the app before today but this was the first day I've tried it.

I received a quote for a product called REI Guard through @Jason Bott here on BP.

If you're at the point of looking at props for purchase (as opposed to just generally 'talking' with them about their product) then you should have received a spreadsheet or other specific pro forma ROI calcs for any property you conveyed interest in.

People generally prefer wood (or wood-like flooring products - lam, LVP, etc) these days, and in a decent neighborhood, the increase in rent you get from having the wood will probably drive your rent up enough to cover the cost over the course of a few years.