I never had the opportunity to house hack, but instead had to start out investing traditionally with 20-25% down right out of the gate.

It is very efficient, much less cost that traditional electric heat and is heats with far infared waves which heats objects not air. 

This would be considered a rooming house and has different/specific regulations in many areas as opposed to a traditional rental.  

Traditionally, even in investing heavy careers like portfolio management and investment banking, the generalist model was the way go.

This implies to achieve desired return may mean not traditional rental (rental other than traditional LTR).  

Sounds like you mostly are talking to traditional lenders and branching out into commercial lending could really be valuable, like many of the commenters already on this thread have said, there is definitely a lot of options out there.

Their rates float 3 - 5 percents above traditional, but you do not have to submit all of the paperwork that is required for traditional loans

It is not the same policy as what a traditional policy covers and they will ask and You could lie on your disclosure form but if you filed a claim you’d be liable for insurance fraud and not getting the money .

Looks like you are licensed Agent...fortunately the mail works just as well if not better for licensees as it does non (the majority of people in the U.S. will sell traditionally)If you spend any amount of time on the site I'm sure you've seen hundreds of conversations and thousands of pages concerning the use of mail in this business.

This would seem to make it nearly impossible for someone to use traditional bank financing to purchase a property at a sheriff sale.