I have plenty of cash to several down payments for house hackings so good to know there is lo limits how many house hackings you can do in your lifetime.

Each loan is priced separately and repeat borrowers get a little better pricing.StephanieThere is nothing about a Non-QM loan that allows a lender to violate the LO Compensation Rule or do things any differently with regards to margin and LO comp and that seems to be what you're suggesting. 

Saman,Typically when you receive a lender credit it's because the rate that the bank/lender gave you was 'Higher" than what you should have received, or above their Lo Comp plan or branch bucket. 

I told my LO at the bank I was looking a t 20k home the needed rehabbed and she recommended trying a Construction loan.

@Steve VaughanI’m sorry, “LO” means?

From there, a LO who knows what they are doing can calculate that for you.For example, if the area in where you are purchasing has a max Conventional loan limit of $548,250, and you already had your full $36,000 basic entitlement charged, you could purchase another property with a VA loan up to $404,250 with 100% financing. 

https://www.bizjournals.com/lo...

Can you help determine if my LO is correct or mistaken?

But it is worth to discuss.The person you speak with is the loan officer, you can be fully open and transparent with a LO.

S L O W L Y.