I seek zoning variances frequently in Philadelphia, but its a lengthy process and don't personally find it a worthwhile pursuit for legalizing a second unit in a building.

I personally have 6 in the area but I bought before it got crazy.

@Caitlin Logue A smart person will learn from their mistakes, a wise person will learn from others mistakes.

You can also get a personal loan up to $50K which typically is to pay off credit cards debts, do renovations etc, but it can also be used as a down payment.

Basically, I'm looking for an electronic version of the table that starts on page 201.In the interest of saving myself some time and working smarter not harder, has anyone already done this?

You can get personal references but nobody gives you a bad personal references.

You may need table funding or bridge funding to get the deal done. 

House hacking will also give you some personal "property management" experience.

They noted, while they can technically go to 75%, in recent deals, they are closer to 65% due to DSCR covenants.And maybe this is expected, but I would anticipate having a personal guarantee, fully-recourse loan for retail.  

While personal credit may also be evaluated, particularly if a company member holds at least 25% ownership, demonstrating sufficient liquidity is equally crucial.