You might check out what the rules are on calling.

I understand your agony and looking to support you.

I can get lower end SFH any day that could meet the 1% rule, but the equivalent duplexes and anything above that are a lot more expensive compared to their rental returns.

Wow, thanks for all the help and support! 

I'm asking because one lender told me the no I cannot he said the only way that I can get a FHA loan using this rule is if is a single dwelling with a commercial attached to it not if it is 4 units.

I do agree with sticking on rules and regulations by giving notice and filing eviction but sometimes you gotta give a break to the tenants who fall behind on a month out of a year.

Use rules as guidelines but remember Denmark is a different animal in regards to supply of houses, demand and a multitude of other factors.

Nail down what you are planning to do and THEN go talk to a bank about whether they will support your strategy.

CoC return is not that high and Rent is about 0.9%, closer to 1% rule but on on lower side. 

You also may get tripped up by other things like proper support in the structure, ratio of windows to the buildings envelope (I'm not as familiar about this but have heard stories), etc.For some properties this added cost and hassle may be worth the investment to change the use from residential to hotel.