Here is the name of a lender that has been in the area for quite awhile Private Mortgage Lending Nationwide - Brookview Financial 

It is resulting in increase to housing costs and poor returns for the hands off investor.  

That is why investors stack lists to increase the probability of someone who is motivated. 

Read this detailed blog post.https://medium.com/p/ef0480228574Real Estate News in BriefWhile it’s disappointing to see average mortgage rates back near 7%, the rate cuts will come eventually, and the increase in the national inventory of homes available for sale is encouraging.

Maybe company 1 scope can be done now, and then the additional work company 2 mentioned could be done later when you're more financially prepared. 

And  as high as they will borrow you to cash out of some your equity but increase holding costs) As well as put some cash in your pocket. 

The shorter the prepayment term has an impact on increasing the rate.4.

Property Taxes (never heard of property taxes increasing if you convert a house into a house hack.

Offset the next rent increase by the amount of the allocation now to rent.

But you need to make sure you will be able to qualify to get a loan on it for 2.1 million at the end because if you don’t, it may put you into a financial disasterYou will need to plan on flipping the house rather than living in it to get the hard money loan.