The system I use is the public media; TV, radio, direct mail, branding and using the right message.The best leads you can work on are those who call you directly to buy their property (houses, commercial or non-conforming)There are lots of motivated and distressed owners of real estate who prefer not listing their property with a real estate company for month only to find out that they are represented by amateurs in the business, they don't want to call on a bandit signs hanging on a public telephone pole to talk to a bottom feeding equity predator, they laugh their butts off reading "I want to buy your property, written child like on YELLOW PAPER.I have been doing well finding these folks (they finding me) with real desires, real financial issues, sincere sellers with problems.  

Also, if you are a member of a local credit union, they sometimes offer non conforming loans.

The property's non-conforming features were "grandfathered in."  

The next line though mentions that it's a "legal non conforming (grandfathered use)".

You will be limited in the number of conforming loans you can get.  

My question is: are lenders restricted by conventional mortgage regulations when providing home equity loans on non-conforming properties.

The basement is partially finished and has a non-conforming bedroom on one side. 

@Devante Boll - It has normal credit and DTI requirements like any conforming loan - but it is only available in certain census trackshttp://www.freddiemac.com/homepossible/eligibility...

When I refer to a commercial loan I just mean not necessarily conforming to the Fannie Mae/Freddie Mac type loan that will be purchased in the secondary market.

My only caveat: if paying more aggressive lowers the balance enough to go from Jumbo -> Super Conforming or Super Conforming -> Conforming.