100% equity in owner occupied needing funding
last year i inherited a home, 4 on 1 1500sq apx 400k value, never mortgaged, no liens, and taxes $500 yr. But needs a good amount of work. My idea is to hack house into 4 private ensuites with kitchenettes(tiny homes style), minimal communal space. The rents in town are really high and a $900-$1200 seem realistic $1800 possible with abnb . I own the property outright. Have minimal credit(always paid cash) no car payment history. Self employed and don't earn much(spend less) I've talked to banks, credit union, and one lending co. Any ideas from hard lenders or private lenders on this.
Goal $150k 30yr mortgage. $60k on remodel, $90k to invest in acquiring another property. The rents from from units would go 95% to pay loan 5% maintenance no early payback penalties. Thank you for any input