There is no timeframe on that; although most buyers want to buy a finished product.  

If only option was to rent the top as a 3br, numbers are still favorable for the product in my market.

It may also be used by some lenders for other credit product application evaluations (such as credit cards, personal loans, retail credit, student loans, etc.)."

Many lenders have asset depletion products and some portfolio lenders will consider Schedule D income.  

No one wanted to lend me money because I didnt have a W2 job at the time because I got injured playing professional sports and I was receiving workers comps but I knew I wanted to build in this business.

Are you seeking best lender or best product?

@Jonathan Rivera I agree with Melvin Noriega's answers, however the VA loan is not a great product for a few reasons. 

Reach out to your broker contacts and your network and ask for lender referrals that play in the apartment space.Your pre-screen interview calls could includ asking them if they do apartment lending, what their typical loan size range is, what class of property do they like, standard loan terms (amortization, fixed rate period, interest rate range, LTV, and any other product knowledge you would like). 

With that said, I am curious of how the amount of business that major sports franchises bring to communities will affect the price of real estate there?

BOA is great for certain products but I think you would be a much better fit for a local community bank.