we changed the driveway because of the cracked cements of driveway cause by the tree roots.

Sounds like if I stay conventional then my best rates will no doubt be the 25% down options. 

I kind of doubt it since Airbnb isn't that popular in these parts. 

Despite initial doubts (e.g., “Who rents rooms without a kitchen?”)

The bank asked a million more questions than I get asked when applying for commercial loans but it was never really in doubt that I would get the conventional 30 year loan that I wanted on my primary.

To answer one of your questions, I doubt you will ever find someone willing to give a loan in 2nd position on an investment property. 

BatchleadsPropstreamRealtytracREIProDatatreeFirst AmericanBlack KnightAttomConnected InvestorsCore Logic....no doubt a few others!

Since I've owned just a few days over a year, I'm not a happy camper and have no doubt they knew this was going to happen when they took my money last November. 

I am not making any conclusions just doubting, as previously mentioned, if a 30 year conventional mortgage (nonconforming, but standardized within the banks operations somewhat), necessarily excludes renting it out. 

It was no doubt a disastrous storm and still reeling.