So, in a few of the single family houses I have recently purchased for rentals, the basements are fairly humid. 

Hey everyone hope you guys are all doing well.I am reaching out to everyone because I want to get my foot in the door into the real estate world and would love to work with a team or single person who is flipping houses, doing rentals, etc.

Since then, I've been approved for a new single family construction loan (currently in underwriting).

I'm not opposed to Single Family Rentals, but looking to optimize economies of scale. 

So you can’t compare an investor rate on a 3-family to an owner occupied single family rate - two different things.I think local credit unions for the most part are going to be limited to working with people who live/work in the area.  

I just never had the guts nor the funds to really pull the trigger.Now looking to start in buying and holding single family rentals in college towns.

Second you could create a single member disregarded LLC (doesn't file it's own tax return and you are the only members). 

I also work Single Family.

My second house has a single mother, more like 3x monthly rent, one income She has been renting from this TK provider for two years and has supposedly never been late.

There is no requirement for a basement to be included in a house be it single family or multifamily.