Hi Heidi,I did a 15% down loan for 2 properties in Albany, NY with the national bank of Coxsackie in 2023.

Question: Should I collateralize the loan (if using private or hard money), or rely on roll-over loans (to maximize the lower points and 3-4% rate)?

I am seeing more lenders starting to offer manufactured home loans, that normally did not. 

A particular strategy that may help you is to assume VA loans.  

Don’t forget to include the cost of the loan servicer. 

On the loans side, who is the lender JV?  

Additionally any pros/cons for using FHA loan would also be much appreciated, thanks!

This is not even close to the documents required for a properly drafted loan.

So it does appear to be possible to get an FHA 203k loan for a 5-unit & convert to a 4-unit.When possible, aim for the Limited (aka Streamline) 203k loan, as it's less complex, not required to get an FHA consultant, etc.Of course, this is based of the two following important assumptions:1)  zoning allows for this2)  and obviously I owner occupy for at least 12 months3)  the total purchase price + renovations are within the FHA loan limits specific to my areaWhat I'm confused about is the timeline or chronological order of the process? 

Actually, on the loan application 1003's that I've seen, ***************************Uniform Residential Loan Application  1003Section 3: Financial Information — Real Estate.