@Daniel Purcell I have a 3-plex uptown that is zoned HU-MU my understanding is that I can rent 1 out through short term rentals even without a Homestead excemption.

If you can manage it, you can keep buying a SFR every year with a low down payment product like this so long as you are willing and able to move into them for a year.

What are your long-term goals?

Those present two very different levels of risk.You should also consider how long ago the offense occurred and what the individual has done since then.

Long term hold with plans to force value by adding egress window/exits in basement to increase property from 2 bed / 1.5 bath to a 3 bed / 1.5 bath on each side and increase overall value.

I want to add that this rental business is for vacation rentals/short-term, rather than long term rentals.

I've thought of many different angels, but still not sure why this project was special/different or offering different terms.   

I've been flipping for a very long time. 

Short term bridge loan, they require much less down payment (10% or less) after stabilizing the units you can refinance with a better loan option.2.

The programs are quite easy 25% down on a dscr loan and 6 to 24-month terms and can close within 14-21 days send me your email or DM me and I send you the matrix for most of their programs.