The reason I know this is because my first duplex was a complete gut, I had no clue what I was doing I just believed in the end result and trusted the people I was connected with locally.  

My loan officer seems to believe this means that I need two separate loans, sales agreements etc... 

We believe the outcome will be veterans who have a usable, comfortable space to enjoy living.

With the upcoming expected rate cuts making real estate "more affordable", I believe this will unlock many buyer's who've been waiting on the sidelines.

After reviewing the documents yes I believe I gave an unsecured loan on 2 properties.

I genuinely believe that creative finance can be a game-changer, especially in this current market where traditional lending is tightening up.Looking forward to connecting and learning from everyone here as well.Joe

I usually charge a pet deposit and monthly fee, but from my limited research, believe I cannot charge for a service animal. 

I believe that the spaces I am looking at would rent for $25-$30 per sqft.

Banks like to match short term assets with short term liabilities, and vice versa.I don't believe that DSCR loans are "expensive", but they do require a more thorough underwriting and higher amount of financial documentation other private and hard money loans.It generally helps to have a Fractional CFO or Loan Consultant (not a broker) that will work on your behalf to negotiate better DSCR terms and rates.

In ID I dont believe there is any high balance FHA limits that I know of (Coeur D'Alene, ID).Then again I dont think you need high balance limits anyway as the regular limits of FHA 4 unit property are well in excess of 1.4M and Im pretty sure the fourplexes in CDA arent that high unless you've found a unique Specimen of a fourplex house hack strategy.