She said she doesn’t want to be a landlord but has listed 2/6 units for furnished long term rentals to see if she can generate more income than her current STR situation is bringing in.

Likely 5-8 companies that UW loans in this market. 

However, do you have an existing loan/mortgage on the property? 

Or you could use non-QM loans.

@Mark ShubinHouse hacking means buying a place and living in one part while renting out the rest to pay for the loan.

A few states the situation may be different.

Title company is asking for an Uninsured Title affadavit to refi out of a hard money loan.  

The reason for this mainly of because I can get a bigger loan on the house we have just built, than taking a ground up new construction loan on the rental we are wanting to build next door as well as my experience with ground up loans is zero - 

Here's my situation: I have 2 rental properties.

Is there a reason you would choose an FHA loan over conventional?