So I have always done conventional NOO financing with 25% down and conforming - recently I had 2 scenarios where I needed funding outside of the norm.

Does anyone have any direct experience in any of these markets to conform or deny what I have read.

I'm putting new flooring  in a rental that will have avg to above-avg income tenants.I'm debating between the two and looking for suggestions.I've installed the Allure "Oak" planks and it's nice but looks like a nice "vinyl floor" but price is great.Allure Ultra is thicker so it won't conform to and uneven subfloor and  appears to be look more like real wood flooring. 

The A property might be classified as non-conforming in some zoning locales; sometimes that restricts re-building in the event of disaster.

So they don't have to conform and be as strict-- you'll still have to qualify and the property will still have to have good Cashflow and equity though, but they can fudge around some of the hard and fast rules if they want to.  

I like my properties to conform to the neighborhood. 

Today you would pay 5% or less on a conforming mortgage.

This means that either the property (1) is being sold substantially below market value or (2) remodeling, rehab or renovation will increase the value of the property higher than the costs of the renovation.They are also going to look for conformity, as in what is standard in your area or what a typical homeowner is looking for.

@Nixon Vayupak Existing non-conforming works then if you think you can restore the units at a fairly efficient cost.

I was also wondering how you could do this with traditional conforming refi's.