You look young enough to me to rebuild again the small hill you had built up. 

For what type of property (SFR, small multi, complex, commercial, etc) and what type of strategy (buy and hold, flip, etc)? 

If I looked into the BRRRR method I could treat the money as a private lender, just with slightly lower interest rates to still make it a good personal deal but still get a small profit with someone I trust (myself).

Well I had this great plan to house hack my current PR by adding a small Kitchen to the already finished basement creating an ADU. 

@Will Gaston excellent summarization of what a small credit union would typically require.

It could be it's one of a small percentage of co-ops that does allow investors and there are too many units rented, or the sponsor still owns too many units, or it could be the reserves are too low, or not enough insurance, or a lawsuit, etc.

@Karl Farmer, My 2bed/1bath is a small duplex (sublett and cooper st) goes for 1050/mo.

Does anyone know if you can complete a 1031 exchange if you sell a property but carry back a small second mortgage?

Either call your landlord and voice your concerns and see if they would address the issue or simply go to your local hardware store ( Lowe’s or Home Depot) and get a small piece of thin plywood or some other material to place over the hole that would still allow the lines to come through.

There's a small house towards front of the lot that can be renovated and rented out, I'm wondering about dropping in tiny homes or renting out space for something else.