Most institutional DSCR lenders prefer one lease per property/unit, however, I've seen programs allowing rent by room strategies.

In the last 18 months various states have instituted new rules, regulations or laws related to (1) need for licensure to wholesale (2) restrictions on marketing of a property in which you do not have ownership and (3) disclosure requirements when dealing with a homeowner that makes it clear to the homeowner that the contact signed with the wholesaler is not a definitive “sales” contract, therefore making it less likely home owners will sign4.

It's tough to work with corporate seller's.However, there is a TON of investable inventory in the Atlanta market right now that is institutionally owned where there process is very ridged.

These penalties include:Five years in prisonUp to $500,000 in finesEquity Skimming may also result in Conspiracy charges, specifically conspiracy to commit bank fraud and false statements to influence a financial institution.

I have used owner finance and hard money mostly to build my portfolio but need some institutional refi in the future.I'm also thinking about how this affects taxes, insurance.Thanks in advance for sharing your opinions!

If your rate is higher than institutional rates - they'll be incentivized to refinance when possible. 

I have worked with many medical professionals where they adopted the basic strategy you are trying to use.

Dealt with Greek institutions, business practices, and customs?

Check yours today.According to the ironically named Insurance Information Institute (they don’t have much info), insurance companies are losing money because of natural disasters and expect to do so through 2025.

By adopting the house-hacking method—living in one unit while renting out the others—we plan for the tenants to cover the mortgage and gain valuable property management experience.