I have a theory that I can share which might help you avoid some of the common bad behaviors.

I retired from federal employment and never looked back. 

I think to accomplish this you are probably going to need to employ a couple of strategies.

Pre Payment Penalties of 2-3-5 years are common but can be bought out of in upfront points or increased interest rate.

You can go traditional DSCR and qualify off the long-term market rent to get a better rate and terms, or if the market doesnt support enough comps for LTR then you will use a common sense lender with the ability to underwrite off the STR income/market STR 1007 report.

Common expenses include:- Attorney Fees: Legal assistance for reviewing contracts and ensuring compliance can vary based on the complexity of your deal.- Title Insurance: Protects against potential disputes over property ownership.- Appraisal Fees: Necessary to determine the property’s market value.- Closing Costs: This can include various fees related to finalizing the loan, such as recording fees and settlement costs.Inspection Fees: If required, this ensures the property is in good condition before purchase.It’s a good idea to discuss these potential costs with your lender upfront to get a clearer picture of what to expect.

You have many things in common with the other owners I mentioned.

But would me and my spouse being on the title together and just me as the only solo member in the LLC be a “common ownership” or would it have to be exact and me have both of us as members of the LLC!

In general, make sure you ALWAYS verify stable employment AND income.

This is quite common and we have many duplexes we do this way and haven't had any hassle and in actuality it is much easier for everyone.