Having a reliable lender with experience can help guide you to the best options for your qualifications, however at a minimum if trying to qualify for a conventional loan you'll need at least a 620 FICO mid score, other options are FHA using lower scores.

And I am talking about owner occ conventional loans not commerical or PML or HML for those those of us that do it and take the associated risks we earn every penny LOL

They took care of everything, it's live now!

You can indeed transfer the FHA loan into an LLC if certain criteria are met, though your bank may exercise its due on sale clause and require you to get a new conventional mortgage.

The compliance on these can be tricky, tread carefully or work with experienced funds.4) Death - Nothing is certain but death and taxes.

What needs to be taken care of immediately vs later. 

That said- if I was doing the [email protected] I doubt anyone would care much what I have to say or how quickly I respond.

9) adding multiple ADUs or adding an ADU to a quad looses F/F conventional financing.

@Tar-U-Way BrightBe careful with Padsplit. 

I wish you the best on your RE journey :)Take Care,