The self sufficiency test only applies to 3 and 4 unit properties, not 2 unit.

The true economic (possibly physical) vacancy rateTo hedge this, I'm stress testing deal analysis with 10-15% (at least) off the ARV and rents and doubling vacancy. 

You are not going to get solid answer for your location and your properties from others. perhaps you want to do a side-by-side test with them for similar properties over at least 6 months. in addition, this pandemic and the following impact of it may throw things off for a while.

@Alex Olson they have been rolling it out- I have not yet experienced it here in NJ, but I believe we will get one free listing a year.Zillow is my go to, FB marketplace never panned out for me.

My question is regarding a refi/cash out on a multi tenant with 37 units, based on rent roll and comps, my loan broker and I estimate the LTV to be conservatively at 55%, 10 year fixed 3.48, 5 years IO, non-recourse, assumable at 1%...I love this loan for my particular situation...BUT, it has yield maintenance up through 9.5 years.According to the loan broker, this means if I want out of the loan, in the event I want to dispose of the asset, I will be on the hook for the difference in yield the lender would get if they had the capital to lend at the rates of that future time. 

Landlords have little recourse due to executive orders that some governors have rolled out. 

Summary - Be conservative in your numbers, stress test for worst case scenarios, add a rehab contingency, get your long-term financing options lined-up now instead of waiting until the the rehab is finished (and understand ALL contingencies they may have), ensure you have cash available in case things don't go as planned, have cash to cover holding costs and reserves, have ARV comps lined-up and validated by a realtor...the list goes on. 

That’s a great way to get the ball rolling good luck 

Sign up for a trial version and then put it to the test.

You might even hit two birds with one stone- this could double as a test for the quality of customer service they provide and help you decide who you might want to work with down the road.