Lenders that would do that already went out of business, and/or stopped offering it, in 2022/2023.To get the 11% lender on board, you'd needing to be looking at a property with vastly more significant upside than a standard ho-hum annual 5% rent increase.A 30% vacant mismanaged apartment building would be an example of where the 11% lender would step in, and ACTUALLY make it to the finish line.What you are looking at right now is someone that's going to garner 20 applications with the hopes of finding 1 or 2, with enough upside, to actually fund.

With rates as high as they are and RTVs this low, I'll probably barely breakeven (if that) if I did standard 80LTV.I like cash flow.

This is typically part of the screening process to ensure that the property meets occupancy standards and to prevent overcrowding.

However, let's say the lender were to foreclose on an existing PadSplit, what has a larger buyer pool: (since any lender that want's to foreclose wants to make the disposition of property as seamless as possible), a standard SFR, or an SFR with multiple modified bedrooms/faux walls?

They have high standards from their clients and their clients take great care of the property.  

The EPA has published new lead paint standards. https://www.healthday.com/health-news/environmental-health/e...All five of my rentals were built well before the end of the lead paint era.

Also, we will be doing standard downpayments and financing.

I am now able to offer 85% LTV on a purchase only.In terms of a cash out refinance, the industry standard is a max of 75% LTV.

Make it a standard practice to show all of your tenants where the main water shutoff valve is and label it clearly so they know how to shut the water off right away if something like this happens.

If you bought something more standard in Ohio you could do MTR there and have less turnover and less furnishing expenses.