Even though a majority of the custom homes I did wanted tankless because they were cool and green....Most tanks last far longer than the expected 10 years and the new ones are very efficient.....Did a search ...https://www.consumerreports.or...Main takeaways are: 1) they are very close to the same cost to operate per year 2) the payback time on the tankless is about 25 years.....Plus tanked heaters are a good source of water storage in the event of an event like earthquake or such.....

You must have a deal source that is different from the rest of us mortals. 

The requirements being more on the lender side would make sense of not being able to find any information on these requirements from government sources.

Earned income isn’t exactly our favorite option but for me it seems the quickest.

Looking to get a refi for 30 years with a lower than 4% rate.Type of property: Single family homeLocation of property: Diamond Bar, CAPurpose of financing: Refinance, lower monthly costs and overall long term costType of financing sought: Open to different options as long as it lowers their monthly payment and long term costsCurrent or prior ownership of real estate: Currently 1 SFH as primary; their business owns several commercial real estate assetsOccupancy: primary homeValue of property at present: $1.8 MilDown payment or equity: $900K equitySource of down payment funds, if applicable: own fundsIncome Source: They run a highly cash-based business and they've issued W2 for themselves for the purpose of their previous loan. 

You will just need a lender that has to the second lien sources that work in your area.  

That isn’t in itself a terrible thing as I assume you have some other income source that qualifies you for the loan, and hopefully this is still saving you money in rent expense.

I am wondering if anyone in the New England Area, Especially New Hampshire or Massachusetts Area has done it or may even know of a local source?  

I know people who source their own deals and people that work with Realtors here in Columbus, Ohio.

We would like to hand this off to a bookkeeper to get all of our accounting in order but we are having a difficult time finding a good source for this.