As Jay mentioned they must be NMLS licensed if owner occupant of in several states even commercial needs licensing.The NMLS is like the database, each state has a division of banking that oversees lending requirements then you also on the federal level have CFPB as well as consumer protection laws.I want to add that I believe yesterday the CFPB is undergoing changes, but if it goes away that does not mean that many of the laws in place especially consumer protection laws would go away. 

However, if the FHA interest rate is lower, I would still go that route and if rates drop refinance  however keep in mind FHA has PMI for life  Here you go FHA has the self sustaining requirement that requires the three non owner occupied  units to cover the entire PITI which with 3.5% or 5% down is virtually impossible with today's interest rates and price level.

He does not state what his experience level is, but I have a feeling that this deal would have taken a beginner about 12 months to complete. 

And the idea is that folks that dont know any better assume your on another level or up there with real MLO's and NMLS registered lenders  like myself..

I have extended family in MN, which is a plus and something I’m factoring in as well.I’ve heard from friends in Iowa that MN winters are on another level, which will definitely take some getting used to. 

I'm happy - the floor plan is exactly what I was looking for - tri-level 4/4- which is hard to find in the price range I wanted.

Hey everyone,I’m looking to level up the welcome basket I provide for guests.

The rental market is expected to stay flat or soft through 2025, then is estimated to start appreciating again once the new supply of multifamily housing reaches traditional occupancy levels.

Be aware of California taxes that will hit you in their other funds based on your income level.

If your rental rate is below the market anyway, a Tenant might consider this to be win as they would get the lower rate in the beginning and just rise to the level they were looking at everywhere else.Step clauses can be written right into the lease, or created by using 3 month lease terms with an auto-renewal at the step up rental rate price.