Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account. 

I am looking at a 5 unit building that I want to do a condo conversion on. 4 units would be vacant 1 has a rent controlled tenant in there who does not want to move. I would owner occupy it so I don't know if I have a...

Owner occupied loans have allowed us to purchase properties in markets with heavy appreciation, and potential for huge rent increases.

Don’t overlook the 10% down second home occupancy loan for financing a property like this.  

Once again, this matches my personal experience that the larger, more expensive properties continue to sell better than smaller properties. 

Again, this is a conversation to have with your accountant to ensure the benefits would outweigh the costs.Another misconception is that there is little value in a cost segregation study for properties that do not have a lot of personal property in them or very little interior build out, such as industrial warehouses.

They close hundreds of loans a month and charge you for any hold up on their end.

I have my credit where it needs to be have a down payment saved of around 17k and looking into Host financial to go through for my first deal I am wondering has anyone personally used it and how do you like the company and the process thank you and looking forward to the journey 

Personally I would want to manage the rental myself at least in the beginning to make sure you get good ratings.

I found an auction person, and I see listings online.