I am looking to get some type of construction to perm loan to build a primary house for myself However, I’d like to get a loan that allows as little % down as possible and allows me to be the builder.

I already have a primary residence and another quadriplex, so this would be my second rental property.

Hello Friends,How long someone has to wait to rent primary home after purchase. 

Hey BP Fam, I had a thought about what would happen, and would it be worth it, to place my primary residence under my LLC and then charge myself rent to live here.

There are a lot of issues with having JADU including finance issues if there is also an ADU, requirement for owner occupancy, that it removes space from the primary structure and usually lowering the value of the property such that it is common practice to remove the JADU when selling the property.  

Looking at a property for a primary residence that has an income generating cottage (STR) on it.

Look, I'm a broker and I make my primary living selling houses and small MF. 

It is a requirement on your PRIMARY home here...but not on an investment property.2.

I'm now down on the Central Coast (SLO County).I'm doing two things... investing in the midwest and building an ADU here at my primary (almost complete!). 

When you refinance a property as an owner occupied property, you are signing a new 12 month occupancy clause which means you need to live in the home as your primary residence for 12 months after you do the refi.Rates are on a downward trend and likely will continue to do so for the next 12 months so you may have time to refinance your loan in the next year or two into a fixed rate while you are still living in the property so if you planned on living in the home for 3 years, you could wait 2 years for rates to drop and then refi as owner occupied into a new 30 year fixed rate.Alternatively, you could get into a fixed rate now at at 5.875% on a 30 year fixed rate if you qualify for the "HomeReady" program (HomeReady is an income limited program that gives buyers a fantastic rate).