I have 12 units and have been using Zillow for applications and screening, and everything was going OK until recently.

Hey Jesse, with 1-4 units, it is the industry standard to value the property based off the sales comp approach, however, you can qualify the property with booking history or AirDNA with a DSCR lender that specializes in short term rentals.

Interest rates are a challenge these days, so purchasing a 4-plex and occupying one unit, at least for a while, would be a good strategy.I have a few options in Wyoming that could be of interest.

VA is great for the 100% financing which covers 2-4 units as well and those can be rented in addition to rooms in a primary.Just make sure you shop around for quotes (without letting multiple lenders pull credit). 

Typically single family / small MF (2-4 units) will have higher appreciation.

Long-term rents for this unit should be approximately $5,500/month.

I am currently working on securing a deal for a 9 unit condo new construction building in the boston area.

It was a fully occupied 4 unit property when purchased.

We put an offer on a 2-unit in the historic district today, so here's hoping!

Vacancy can run into years when a commercial unit vacates.