It's an employee of the business or family member.

SAMPLE COMPS$37,000 @ 10% for 30yrs monthly PITI = $375 and my gross rent is only $250I saved that $36,000 for 3years. 

So there is a balance between using your cash, taking on debt and increasing your adjusted gross income. 

The employee turnover was high.  

Going from zero employees to ... who knows how many to get these all done.

I understand that NJ is a high priced market but am wondering if this is truly accurate…Primary questions:Should gross monthly rent be entered as if it was not a house hack?

I would look at their P&L and if their total expenses are less than 50% of the effective gross income, then they are probably reporting low.

Do you think an appraiser would just use a 3/2 SFH as a comp or might they just use some sort of gross rent multiplier?

I recently researched the market in CT for hard money, and then did a deal with a trusted employee with bad credit on a property that we helped him find. 

From there - you will need to hire a surveyor to survey the land for several reasons: 1 - to come up with potential plot lines; and 2 - to identify any areas which may be of issue (such as preserved lands, wetlands, etc which you cannot build on or cannot be used in calculating gross build-able lots; and 3 - identify where you can put septic and well (if no public utility exists there).