It’s not that it can’t be done — it’s that most lenders want:One unified lease covering the whole property, not multiple individual ones.Market-rate long-term rent comps that match what they can verify (hard to do with individual rooms).Here’s what a lot of investors do to make it work:Have a single “master lease.”

We were thinking AZ or TX but unsure if it’s ideal

They’re ideal for multifamily housing, student apartments, or any rental property where cooking fires are a common risk.In short, installing fire stoppers is a low-cost, high-impact safety measure that can protect your investment, your tenants, and your peace of mind.

The "Ideal" Model: If you could have a perfect, always-up-to-date analysis model, what would it do that your current spreadsheet doesn't?

Additionally, offering alternative options, like accepting an Individual Taxpayer Identification Number (ITIN) where possible, may help accommodate a wider range of applicants while still adhering to your qualification standards.

A private lender is typically not a business, its typically an individual.

For the HOA, you'll want to review meeting minutes, financials, and see if there's a rental cap because ideally you'll want to rent out post-move out or if there's a spare bedroom, be able to rent that. 

But that is my back pocket plan B.Trying to come up with some sort of bridge strategy to then domino the owner occupied refi route first.Plan C is being the opportunity to potential investors, which I have a lot of interested people but ideally want to do this solo.

What would be the ideal or sweet spot to start?

The rate and prepay penalty aren't ideal, but if it's short-term and part of a stepping stone strategy, it can make sense.