Duplexes aren’t appraised on cash flow, but on comparable sales only.

@Dave Foster - "Without documentation that the property has been held for investment" - Can you share what documentation do I need for this purpose? 

A "negative cash flow" investment (that you'd likely be getting downtown) does not necessarily mean "bad", and a "positive cash flow" does not necessarily mean "good".Each property needs to be looked at on its own merits (and compared to similar sales nearby).Many hundreds of threads here on BP only give the specifics for a particular property, but with no mention at all about what other surrounding similar properties sold for.But Arthur, you won't do that, right?

Comparable sales on 3 Bedroom two Baths in the area is from $120,000 to $150,000 move in ready as this one is the $15K delinquency is PTI and increasing every month, and the owner finance buyer bad credit will not allow refinance as you suggested Jay.   

For purposes of reasonable accommodation requests, neither the Fair Housing Act nor Section 504 requires an assistance animal to be individually trained or certified.5 While dogs are the most common type of assistance animal, other animals can also be assistance animals."

The rental income they will use will be based on comparable rents of the surrounding homes. 

Compare your place to theirs.

Although that rate will be higher compare to conventional  interest rate. 

But if the benefit is getting cash....well, she'll have to compare the terms on her private loan against the portfolio loan to find out if it would be work it.

How is the employment rate in your market, especially compared to itself historically?