As I said, GO DO IT THEN, I don't care what stupidity other's do.

YES, you can get the work done for less than this on occasion, in particular if you are doing some or all of the labor yourself, not pulling permits, or purchasing stolen materials as a starting point. 

No lender is going to do that and PennyMac definitely isn't going to do it.

Quote from @Jon Martin: Do an enemy analysis.

Do you have the algorithm?

Ideally your alter ego can do it, but for some people it is better to ask someone who does not care one way or another.

From a commissions standpoint it depends on the agent.

You aren't trying to help, you're just trying to serve yourself.

It works just fine if the operator knows what theyre doing and structures it correctly.

If my boy turned 18 on April 1st - does he escape FICA for the first 3 months of the year and starts paying it from April forward?