how is it determined?

If your employer signs off, then you have no issue. 

Try short term owner financing #1, #2 Private Money to close #3 Hard Money.The fact you put $ into the deal before closing is not a good sign but eh- it happens.

What you need to do is look at the neighborhood you're in and determine what improvements are going to have the biggest impact on the appraisal value of your house. 

Also SBA loans are tough to get and your investors are not going to want to sign on those as they will forever be personally responsible for them there is no BK relief if your deal does not work.. if they are equity and your deal does not work they just lose their cash but you will be on the hook forever for the loan..

Do you need a key principal to sign on the loan to help you qualify for buying a 60+ unit?

Prior to doing this, I called the insurance to determine if I had a case to file and if my situation was covered under his policy and sure enough it is.Thanks for the advice Mike! 

I would think the more common route is to have them sign a personal guarantee so they would be directly liable for unpaid monies even if their business folds. 

She already signed a nine month lease and paid her deposit and first months rent on time.

we signed the contract this past thurs.