It is interesting to see in the Smokies 8 to 12 bedroom homes are not getting that much more income than 4 to 5 bedroom BUT has 4 to 5 bedroom been overbuilt as they represent majority of the building permits?

You have to figure out how to deal with them or say goodbye to the income.

What bank in CT will lend me this no income verification Also my credit score is 750 and I only have 1 year of credit history. 

I agree with Jordan, your agent is the best in coming up with comps and ARV. 

I do like to start with open communication but if a tenant does not appear to be interested in coming up with solutions I recommend using an attorney right away. 

Combine that with SS income (maybe?)

All told the property would be worth about 800k when its paid off.I can expect to get about $4,500 gross from the property with an NOI of $2,500 monthly (would be about $3,100 with inflation at that time). 

I live in FL, so no state income tax.

Do they plan on getting income? 

My current rent is $2300 at my apartment and I'm assuming the $2300-$2500 liability will be consistent in this property given the Purchase price, interest rate, and including rental income of $2000-$2200 of the other unit.