@Xingcai Wu The court will generally guide you to a program they know is funded.

Hey @Martina Su, do a search as there are several threads with tons of info.The bottom line is that there are restrictions all over the place so you should get a good realtor locally who knows the areas and market to guide you.

If you are considering something like this get a lawyer involved to help guide you as this isn't entry level stuff.

Start with BiggerPockets Ultimate Beginners Guide (free).

The number is ticking up but Ohio is still fine in vast majority of cases - anything over loan balance of $110,223 (2024 limit) doesn't apply - since most DSCR lenders have minimums around $100k loan amount, barely affects thingshttps://com.ohio.gov/divisions-and-programs/financial-institutions/consumer-finance/guides-and-resources/loan-prepayment-penalty-and-adjustment#:~:text=Effective%20January%201%2C%202024%2C%20no,loan%20of%20less%20than%20%24110%2C223.

We try to keep it simple, and provide examples in the guide for people that are not sure what counts and what does not.

It might be wise to get an attorney now while you can take in some rental money to pay him/her to guide you through your options.   

Chris Ramsey sells a guide/ coaching on the topic of contractor garages.

I recommend you print, study, and highlight the HUD guide: https://www.hud.gov/sites/dfiles/PA/documents/HUDAsstAnimalN...You should also check with a local HUD office to see if they have any additional guidance they can provide you.Keep in mind, not everyone is subject to Fair Housing requirements and you may be exempt from allowing the ESA! 

Working with a lender who does a lot of VA loans will also be useful in this situation as they can help guide you based on their past experiences with foreclosures in the area and appraiser's.