Yes, Hard Money Lenders will sometimes do that, for outrageous Interest Rates, but will be expecting you to either get a traditional loan within short order to pay them back, or have been told by you that you are selling it straight away for a profit, thus will expect immediate pay back on resale.Neither of those situations seem applicable to you though, right?

@Christian Bors Mistakes are the best teacher!

It's not going to keep your lender from doing a traditional underwriting when you're asking for a loan of ANY meaningful size.

It's traditionally man's work, and although I agree the work doesn't know the difference, the culture that we all grew up in certainly does.

This property is in Michigan, all banks in this area do 15 year mortgages around 5% interest rate for rental homes with traditional mortgages.

However, this will hinder her ability to come up with a traditional 20% dp and new mortgage payments.

So, I've getting my feet wet in understanding where funds can come from for deals when you yourself have very little liquidity. I went to my local bank and they informed me that they do standard 75% of property Value ...

My interest rate is about 4%, which is slightly higher than what you can get with a traditional loan but only by a half a percent or so, and the no PMI makes up for that.

@Joshua Curry It is unlikely that you'll be able to get them financed traditionally. 

Traditional FannieMae/FreddieMac programs are actually 15% down/20% down respectively, on a duplex that is your primary, and 20% down if it is an investment.