You could also give 48 hour notice to test all the smoke alarms during your tenants birthday party, or if you don't know their birthday aim for 8am on New Years Day, but you just shouldn't.

That much smoke is hard to deal with!

@Caroline Gerardo advice is great.Also, if you don’t want smokers to smoke in your house, you have to mention that in the lease. 

Is the agent blowing me smoke, or do the numbers truly not make sense for them below 1? 

SMOKE DETECTORS.

Now factor in appliances, HVAC, flooring, faucets, fire extinguishers, smoke detectors, lock changes, vacancy, etc.  

It's just blowing smoke and in reality, unless you are a seasoned real estate investor with a track record, no private money lender is just going to throw money at you.

I know that works.. it worked on me when I had a Timber property in Oregon that was in inventory and I got this letter from an attorney what is this I thought I have been good... it was just a professional inquiry that he represented a client that wanted to buy my timber track we did the deal … To the OP if its that specific just 25 homes I would door knock them.. that's how we bought timber for years.. drive up the drive way.. with a cooler full of either Salmon Smoked or not...

@John Moorhouse am I the only one sitting here thinking, holy smokes!!

just look at their pricing matrix its there on their website for everyone to see.. no smoke and mirrors and their loans are priced by down payment and experience. will give you a good base line when comparing loan options..