They will vary between location, distance to hydrants, fire department, age of home, cost to rebuild, materials, attached garage or not, etc.PMI?

You need to talk to the commercial lending departments.

Fannie and Freddy loan to individuals and not LLC's.2) Varying by bank, 3 months to a year on non commercial- as soon as same month as rent on commercial. 3) Yes, but you need to talk to the commercial department.4) That's what I do.

Thank you for the recommendation, I will contact their mortgage department to see if they can assist. 

Any idea which department to contact?

Make sure the subject property does not require you to do anything special and get a good relationship with the people in the various city departments.  

I have had installation issues with HD and Lowes in different departments.  

@Andre Minasyan,He mentions the supply vs demand issue.He did not mention the factors which are currently dampening demand.Lending is still quite dear, though there has been some improvement.

Next, adding interest to an underlying loan, several issues, but your interest rate won't match the principal owing on the underlying mortgage this makes tax reporting and borrower disclosures difficult, beyond the financial scope of any small investor without a loan compliance department. 

It can be HR but is often the Travel department of larger firms.