I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

Meghan,Congrats on almost crossing the finish line!

If you have a finished product, they won't move in for 60 days but your lender requires signed lease and/or move-in for refi...this will delay your refi.

We still owe roughly $900K on a 3% mortgage.We’re planning to retire abroad and are weighing two options:1.Sell the home – I already have a buyer lined up, so this would be a straightforward exit.2.Rent it out long-term (furnished) – While I don’t think the rent will fully cover the mortgage, it might come close.

Once you decide which type of exchange you want to do, you could then narrow down your product / company. 

The products they sell are almost always counterfeits or not as described and the land they sell/finance are worthless.

Since I’ve been syndicating real estate debt and a few equity deals for 25 years, I’ve made it my business to maintain a constant “overview” of the “product” being offered.  

If you can find a precedent, that could bolster your argument significantly.Lean on the Physical Details: Four mailboxes, four sewer lines-those are big indicators that the property has been treated as a four-unit for some time.

This can help you greatly with the additional depreciation.Ultimately, med to large MF and small 2-4s are totally different products. 

Open a corporation and start building business credit.2.Leverage Credit to Multiply Capital: With strong business credit, you can secure $50K to $250K in funding through business credit cards and lines of credit.