@Wade Wisner Generally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

Sounds like you are referring to a non-recourse loan, like a Fannie Mae or Freddie Mac Small Balance Loan.

So, in traditional, conventional lending, meaning Fannie Mae or Freddie Mac (if you recognize those names), a second home is one that you occupy for "part" of the year. 

On April 1, 2023, Fannie Mae & Freddie Mac changed their cash-out seasoning requirement from six months to 12 months seasoning.   

If that is the case then they should be using the standard fannie mae docs especially if its owner occupied.

Hello, I am looking for a broker that does Fannie Mae multifamily. 

However, there are seasoning requirements for both Fannie Mae and DSCR refinances, unless you opt for delayed financing.

You may not need "2 years of work history" either depending on the detailsGenerally speaking there are 2 main types of loans for investors: “Conventional” and “Portfolio”Conventional - I'll define these as loans that come from Fannie Mae and Freddie Mac (if you recognize those names).

We did purchase the duplex with the new conventional Fannie Mae 5% loan and it came with PMI of $71/month.

Firstly, because thee SHF index only track properties that are financed by a mortgage so they don't represent the whole market (SHF is the Fannie Mae / Freddie Mac equivalent of Mexico).As you know, Mexico has two distinct real estate market:A.