My assumption is that it still will be better to purchase in my name (better loan terms, ability to put 20% or less down, and I'm already pre-approved) and move to an LLC, but this seems like a steep cost of doing business.

@Armando Carrera as others said above that’s mortgage fraud and not at all what an FHA loan is for.

., On behalf of all the lenders on here that work with investors...we pretty much all do 30-year DSCR loans. 

College used to be a lot more affordable, I studied in Europe (where college is free) and it blows my mind to see kids with 200k student loan debt trying to get ahead on a 50k job.The housing market has started to drift apart geographically.

Are you aiming to lower your monthly payment, shorten the loan term, or switch from an adjustable rate to a fixed rate?

Looking for guidance on options. new builds aren't hard to finance and I would argue they are preferred to existing fix and flip loans, especially if you have experience. banks look at your experience, your builder's experience, loan structure, permits, etc you need to get an experienced builder familiar with advanced underwriting and negotiations with local, regional, and national lenders. in columbus we do ground up construction for clients at a 20% discount so they can BRRRR out of the new build with equity and we have pages and pages of data on what we build and why and it's all supported by market statistics. 

Commercial portfolio loans will be quicker.2.)

When you have 10 “little” properties with loans (Say $150-$200k each) and exchanging to either 1 big $2M property or 5 $400k properties to free up more “golden ticket” loans. 

I got a loan on the property when I bought it. 

I suspect this is who is financing your loan.