What are other businesses doing in your market? 

Quote from @Hieu Le: Most HOAs consider a short-term rental to be a business, not a residence.

Granted this is your business and you can run it as you see fit. 

The city will require a few pictures of the apartment to make sure it is live-able and once a lease is signed and submitted to HRA, they will verify the applicants income, and it will take up to 10 business days for NYC HRA to write a check for the total amount of the 1 year lease. 

Course, I'm sure you know, the SBA doesn't actually lend any funds towards your business, they just underwrite & (partially) guarantee the actual lender who is loaning your business the monies.  

Depends on how long it takes to reach your desired credit score.

Depending on that schedule, the borrower also may face a large lump-sum payment at the end of the loan term.

It really depends on the provider, market, and still comes down to the house itself. 

Preferably, someone with plenty of experience that has been in the business for a long time. 

I'm sure it depends on a variety of things like your local area, the lender you choose, and the practices of each individual appraiser you may encounter.