@Allen B.

I think either @Bill B. or @Theresa Harris strategy would work.

You purchased it with a HML, and are now rate/term refinancing the $1.5m (75% of $2m) hard money loan for better terms b/c you show six months of stabilized rent, the T-12 and rent roll with the monthly breakdown shows a clear trend towards where we are at now.Your hard money loan matures at the 2-year mark, but you weren't silly enough to call me at the 1 year and 11 month mark, so my partner lenders that have great terms, but move slower, are on the table.

You can go and look up all the Fannie Mae guidelines online on their website:https://selling-guide.fanniemae.com/sel/b/origination-throug...The link above is the "origination through closing guidelines"Hope it helps!  

Quote from @Joehn B.: If I buy a small business that includes real estate, it is possible to assume the existing loan (at a lower rate), and finance the additional amount up to asking on a second position mortgage?

We are officially under contract for our first property - a SFH in what I would gets is a B-C type of neighborhood.

So it is highly unlikely we would run into that issue since we would just be moving around on tourist visas and working remotely. 

Do I work with Agent X, but they charge more....or do I work with Agent Y who charges less, but they aren't as good as Agent X.Then the problem is A, B and C Agents, who charge the same as Agent X who is good, but A, B and C arnt nearly as good as Agent X.

Then work on annexing into the town of Wellington in order to rezone other parcel (B) to industrial or commercial to follow towns comprehensive plan.

@Amy KimRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.