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

A refinance into an LLC avoids this risk but typically requires a commercial loan with higher rates and stricter terms.If asset protection is the main goal, umbrella insurance may suffice without disrupting financing.

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

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

I'm feeling most drawn to a buy and hold rental investing strategy and like the idea of the BRRRR strategy in tandem with VA loans, basically refinancing VA loan backed mortgages to conventional loans once there is 20% equity in the home.

Quote from @Kate McDevitt: I agree with Chris, get a loan for rehab..

If we meet a resident through an OTA, we enjoy certain protections with that platform, but if, at any time, the resident wishes to extend, but not through the platform, we require the same background check, credit check, and eviction check as for anyone else not booking through an OTA. 

If you're thinking a Conventional loan... did your lender say if you'll be able to pass QM with such a small loan amount?

And my rental cash flow went from only $1500/month to 19k/month profit by taking on more loans and harvesting the equity in some of my properties including my primary.

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?